Xyz Company Junior Officer Interview Questions and Answers

Numerical aptitude methametics etc general knowledge

Q1. Normal question and basic information
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Q2. Basic information
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Q1. General knowledge basic information
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Q2. Basic and introduction
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Q1. Wht is tuple and how it is dif from list
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A tuple is an immutable collection of elements, while a list is a mutable collection in Python.
• Tuples are created using parentheses (), while lists are created using square brackets []

• Tuples are immutable, meaning their elements cannot be changed once defined

• Lists are mutable, allowing for elements to be added, removed, or modified

• Tuples are typically used for fixed collections of items, while lists are used for dynami
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Q1. Difference between Cmbs vs Rmbs
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CMBS are securities backed by commercial mortgages, while RMBS are securities backed by residential mortgages.
• CMBS are backed by commercial properties such as office buildings, shopping centers, and hotels.

• RMBS are backed by residential properties such as single-family homes, condos, and townhouses.

• CMBS tend to have higher loan amounts and lower prepayment rates compared to RMBS.

• RMBS are more sensitive to changes in in...read more
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Q2. Why you want to work Morningstar
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Q3. Difference between bankruptcy and insolvency
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Bankruptcy is a legal process where a person or business is unable to repay debts, while insolvency refers to a financial state of being unable to pay debts.
• Bankruptcy is a legal status declared by a court when a person or business cannot repay debts.

• Insolvency is a financial state where a person or business is unable to pay debts as they become due.

• Bankruptcy involves a formal legal process, while insolvency is a fina...read more
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Q4. Prepayment risk meaning
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Prepayment risk refers to the risk that borrowers will pay off their loans earlier than expected, resulting in a loss of future interest payments for the lender.
• Prepayment risk is common in mortgage-backed securities, where homeowners can refinance their mortgages at lower interest rates, causing the investor to lose out on expected interest income.

• It can also occur in bonds or other fixed-income securities when intere...read more
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Q5. What is asset backed security and how is different from CMBS
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Asset backed security is a type of financial security backed by a pool of assets, while CMBS specifically refers to securities backed by commercial real estate loans.
• Asset backed securities are backed by a variety of assets such as credit card receivables, auto loans, or student loans.

• CMBS are specifically backed by commercial real estate loans, such as office buildings, shopping centers, or hotels.

• Asset backed securit...read more
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Q6. What has more prepayment risk CMBS, RMBS, ABS
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CMBS has more prepayment risk compared to RMBS and ABS.
• CMBS (Commercial Mortgage-Backed Securities) typically have higher prepayment risk due to the nature of commercial real estate loans.

• RMBS (Residential Mortgage-Backed Securities) have lower prepayment risk compared to CMBS as residential mortgages are less likely to prepay.

• ABS (Asset-Backed Securities) generally have lower prepayment risk as the underlying assets m...read more
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Q1. Solid principal
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Q2. SOLID SRP OCP LSP ISP DIP
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Q1. Salary disscus sio
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Q2. Negotiable or not cleared the test
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Marths and transportation vehicles of industry

Java and something else

It was good experience as a. Fresher

Q1. How are you feeling right now
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4 sections. Time 45mins
10 questions from financial accounting
10 questions from market awareness
15 questions from aptitude
10 questions from English

Workshop on basics of financial accounting, peer comparables followed by general group discussion

Test on core financial accounting
30 Ques
2 case studies having 10 questions each
10 questions on peer comparables

Q1. Basics of financial accounting
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Q2. Some aptitude questions like angle between hands at 6:40pm. Number of unique handshakes in a group of 10. √0.1 and explanation on decimal point
Ans. 
Aptitude questions on angles, handshakes, and decimals.
• To find the angle between hands at 6:40pm, we can use the formula (11/2)*minutes - 30*hours.

• The number of unique handshakes in a group of 10 can be found using the formula n(n-1)/2, where n is the number of people.

• √0.1 is equal to 0.31622776601, and the decimal point is two places to the right of the square root symbol.
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Q1. Core financial accounting questions having medium to hard difficulty
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Q2. Questions from cash flow statement
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Q3. Questions from peer comparables
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Q1. Tell me about yourself apart from the resume
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Q2. Questions on hobbies/interests
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