Yes Bank Credit Risk Manager Interview Questions and Answers

Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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Q1. Introduce yourself
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Q2. Basel III Norms, LCR calculation, NSFR Meaning, Return on Capital
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Q3. What is PCA about PCA?
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PCA stands for Principal Component Analysis, a statistical technique used to reduce the dimensionality of data while preserving important information.
• PCA is used to identify patterns in data and reduce the number of variables without losing much information.

• It works by transforming the original variables into a new set of uncorrelated variables called principal components.

• These principal components are ordered by the a...read more
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Q4. What is CRAR?What is CCB?
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CRAR stands for Capital to Risk-Weighted Assets Ratio, a measure of a bank's capital adequacy. CCB stands for Counter-Cyclical Buffer, an additional capital requirement imposed on banks during periods of excessive credit growth.
• CRAR is calculated by dividing a bank's capital by its risk-weighted assets.

• It is used to ensure that banks have enough capital to cover potential losses from their risk exposures.

• CCB is a regul...read more
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Q5. What do you mean by asset liability managemnt?
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Asset liability management is the practice of managing risks that arise due to mismatches between assets and liabilities.
• Asset liability management involves managing the risks associated with the assets and liabilities of a company or organization.

• It aims to ensure that the assets are sufficient to cover the liabilities and meet the organization's financial obligations.

• Strategies used in asset liability management incl...read more
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IBPS takes test moderate to high

Q1. Assessment of working capital
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Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Q1. Introduction and knowledge
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Q2. Credit Underwriting
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Q1. Details about corporate mortgage
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Q2. Corporate customer documents verification for term loans
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Q1. About financials points required to check the eligibility to avail the CC /OD Facilities to any customer
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Q2. About personal things like qualifications, family members etc
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