Lead Credit Analyst Interview Questions and Answers

I am currently working as a credit analyst at XYZ Bank with a CTC of $X. I am expecting a higher CTC for this job change.

• Currently working as a credit analyst at XYZ Bank

• Current CTC is $X

• Expecting a higher CTC for this job change

Turnover from company bank statements is considered by analyzing the inflows and outflows of funds.

• Review the bank statements to identify the total inflows and outflows of funds.

• Calculate the turnover by subtracting the total outflows from the total inflows.

• Consider the turnover as an indicator of the company's financial activity and liquidity.

• Higher turnover may suggest a more active business with frequent transactions.

• Lower turnover may indicate slower business activity or ...read more

DSCR calculation is a method used to assess a borrower's ability to generate enough cash flow to cover debt obligations.

• DSCR stands for Debt Service Coverage Ratio.

• It is calculated by dividing the borrower's net operating income by their total debt service.

• Net operating income includes the borrower's revenue minus operating expenses.

• Total debt service includes all debt payments, such as principal and interest.

• A DSCR of 1 or higher indicates that the borrower has enough cash f...read more