Preferred Relationship Manager
10+ Preferred Relationship Manager Interview Questions and Answers
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Q1. What are the key factors to consider while offering working capital to the consumer ?
Key factors to consider while offering working capital to the consumer
Assess the creditworthiness of the consumer
Evaluate the business plan and financial projections
Consider the industry and market trends
Determine the purpose of the working capital
Assess the collateral and security offered
Evaluate the repayment capacity of the consumer
Consider the interest rates and fees
Monitor the usage of the working capital
Q2. What do you think about banking
Banking is an essential part of the economy and plays a crucial role in managing finances.
Banking provides a safe and secure way to store and manage money.
It offers various financial products and services such as loans, credit cards, and savings accounts.
Banking also helps in facilitating transactions and payments between individuals and businesses.
It is constantly evolving with the use of technology, making banking more convenient and accessible.
Overall, banking is important...read more
Preferred Relationship Manager Interview Questions and Answers for Freshers
Q3. Do you invest in market if yes then in which scripts and why ?
Yes, I invest in the market. I focus on blue-chip stocks with a strong track record and potential for growth.
I invest in blue-chip stocks with a strong track record
I look for companies with potential for growth
I diversify my portfolio to manage risk
I keep a close eye on market trends and news
Examples of stocks I invest in include Apple, Amazon, and Microsoft
Q4. How much integrity is important in banking
Integrity is crucial in banking as it builds trust and credibility with customers and stakeholders.
Integrity ensures that banks operate ethically and transparently.
It helps to prevent fraud and corruption within the banking system.
Customers are more likely to trust banks that prioritize integrity.
Banks with a reputation for integrity are more likely to attract and retain customers and investors.
Examples of integrity in banking include honest communication, fair treatment of c...read more
Q5. What are the charges involved in ULIP policies ?
ULIP policies have various charges like premium allocation, fund management, mortality, surrender, etc.
Premium allocation charge is deducted from the premium paid and is a percentage of the premium
Fund management charge is levied on the fund value and is a percentage of the same
Mortality charge is deducted to provide life cover and is based on the age and sum assured
Surrender charge is applicable if the policy is surrendered before the lock-in period
Partial withdrawal charge ...read more
Q6. Best Performing Mutual Funds, Difference between Large Cap, Mid Cap and Small Cap Funds ?
Large Cap, Mid Cap and Small Cap Funds are different categories of mutual funds based on market capitalization.
Large Cap Funds invest in companies with large market capitalization, typically in the top 100 companies of the stock exchange.
Mid Cap Funds invest in companies with medium market capitalization, typically in the top 101-250 companies of the stock exchange.
Small Cap Funds invest in companies with small market capitalization, typically in the top 251-500 companies of ...read more
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Q7. How to calculate eligibility for Working Capital?
Eligibility for Working Capital is calculated based on various factors such as credit score, cash flow, collateral, and industry type.
Credit score is an important factor in determining eligibility for working capital loans.
Cash flow is also considered as it shows the ability to repay the loan.
Collateral can increase the chances of approval and may also affect the interest rate.
Industry type can also play a role in eligibility as some industries are considered riskier than oth...read more
Q8. What is current client base and how you will aquire new client
Current client base consists of high net worth individuals and small businesses. Acquiring new clients through networking events, referrals, and targeted marketing strategies.
Current client base includes high net worth individuals and small businesses
Acquiring new clients through networking events
Acquiring new clients through referrals
Acquiring new clients through targeted marketing strategies
Preferred Relationship Manager Jobs
Q9. Tell the Difference between Term loan and OD
Term loan is a fixed amount of loan taken for a specific period while OD is a flexible loan that can be used as per requirement.
Term loan has a fixed repayment schedule while OD has no fixed repayment schedule.
Interest is charged on the entire amount of term loan while interest is charged only on the amount used in OD.
Term loan is ideal for long-term investments while OD is ideal for short-term cash flow needs.
Examples of term loan include home loan, car loan, etc. while exam...read more
Q10. For how long have I been in market ?
I have been in the market for X years.
I have been in the financial market for X years.
I started my career in the market in YYYY.
I have experience in various market sectors such as stocks, bonds, and commodities.
My market knowledge and expertise have been honed through years of experience.
I have been with my current company for X years, working in the market.
I have a deep understanding of market trends and can provide valuable insights to clients.
Q11. How you are handeling the work under the pressure
I handle work under pressure by prioritizing tasks, staying organized, and maintaining a positive attitude.
Prioritize tasks based on deadlines and importance
Stay organized by creating to-do lists and setting reminders
Maintain a positive attitude by taking short breaks, practicing deep breathing, and seeking support from colleagues
Communicate effectively with team members to delegate tasks and manage workload efficiently
Q12. What is right issue and bous issue
Right issue and bonus issue are methods used by companies to raise capital by issuing new shares to existing shareholders.
Right issue is when a company offers existing shareholders the right to buy additional shares at a discounted price.
Bonus issue is when a company issues additional shares to existing shareholders for free, based on the number of shares they already own.
Both methods are used to raise capital without borrowing or taking on debt.
Right issues are often used to...read more
Q13. Current situation of Sensex and Nifty?
Sensex and Nifty are currently experiencing a bullish trend.
Sensex and Nifty have been consistently rising over the past few weeks.
As of today, Sensex is at 52,474.76 and Nifty is at 15,799.35.
The market is being driven by positive global cues and strong corporate earnings.
Investors are optimistic about the economic recovery and the government's reform measures.
However, there are concerns about rising inflation and the impact of the pandemic on the economy.
Q14. Which credit card you use?
I use the Chase Sapphire Reserve credit card.
I chose this card for its travel benefits and rewards program.
It offers a high sign-up bonus and earns points on every purchase.
The annual fee is offset by the travel credits and other perks.
I also appreciate the customer service and ease of use through the mobile app.
Q15. Difference between ipo and fpo
IPO is the first time a company offers its shares to the public, while FPO is when a company already listed on the stock exchange offers additional shares.
IPO stands for Initial Public Offering, while FPO stands for Follow-on Public Offering.
IPO is the first time a company goes public and offers its shares to the public, while FPO is when a company already listed on the stock exchange offers additional shares.
IPO is usually done by new companies to raise capital, while FPO is...read more
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