10+ Preferred Relationship Manager Interview Questions and Answers

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

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

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

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

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

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

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

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.

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

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

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.

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