Senior Credit Analyst

filter-iconFilter interviews by

Senior Credit Analyst Interview Questions and Answers

Updated 16 Dec 2024

Popular Companies

search-icon

Q1. How would you rate a bank and what are the key factors that you will look upon?

Ans.

I would rate a bank based on its financial stability, asset quality, management quality, profitability, and market presence.

  • Financial stability: Assess the bank's capital adequacy ratio, liquidity ratio, and non-performing assets.

  • Asset quality: Evaluate the quality of the bank's loan portfolio and investment securities.

  • Management quality: Look at the experience and track record of the bank's management team.

  • Profitability: Analyze the bank's return on assets and return on equi...read more

Q2. What is Capital Adequacy Ratio? What comes in Numerator and denominator?

Ans.

Capital Adequacy Ratio is a measure of a bank's capital in relation to its risk-weighted assets.

  • CAR is calculated by dividing a bank's capital (numerator) by its risk-weighted assets (denominator).

  • The numerator typically includes Tier 1 and Tier 2 capital, such as equity capital and retained earnings.

  • The denominator consists of various types of assets weighted by their risk levels, such as loans, investments, and off-balance sheet items.

  • A higher CAR indicates a bank has more ...read more

Q3. How do you assess working capital limits, including fund-based and non-fund-based limits?

Ans.

Assessing working capital limits involves analyzing the company's financial statements, cash flow projections, industry trends, and risk factors.

  • Reviewing the company's financial statements to understand its current financial position

  • Analyzing cash flow projections to assess the company's ability to meet its short-term obligations

  • Considering industry trends and economic conditions that may impact the company's working capital needs

  • Evaluating risk factors such as market volati...read more

Q4. What do we include in CET1 Capital, Total Tier Capital?

Ans.

CET1 Capital includes common equity tier 1 capital, which consists of common shares, retained earnings, and other comprehensive income.

  • CET1 Capital is a component of Total Tier Capital used to measure a bank's financial strength.

  • It includes common equity tier 1 capital, which consists of common shares, retained earnings, and other comprehensive income.

  • Excludes items such as goodwill, intangible assets, and deferred tax assets.

Are these interview questions helpful?

Q5. Types of Risks in Credit decision-making

Ans.

Credit decision-making involves various types of risks that need to be considered.

  • Credit risk - the risk of default by the borrower

  • Market risk - the risk of changes in market conditions affecting the borrower's ability to repay

  • Operational risk - the risk of errors or fraud in the credit process

  • Reputation risk - the risk of damage to the lender's reputation

  • Legal and regulatory risk - the risk of non-compliance with laws and regulations

  • Country risk - the risk of political or ec...read more

Q6. Tell some thing topic

Ans.

Discussing the impact of climate change on global food security

  • Climate change is leading to more frequent and severe weather events, affecting crop yields

  • Rising temperatures are altering growing seasons and increasing the spread of pests and diseases

  • Changes in precipitation patterns are leading to droughts or floods, impacting food production

  • Climate change also affects food distribution and access, exacerbating food insecurity globally

Share interview questions and help millions of jobseekers 🌟

man-with-laptop

Q7. Current CTC and expected CTC

Ans.

I am currently earning X and my expected CTC is Y.

  • My current CTC is X and I am expecting a hike of Y%.

  • I am currently earning X and I am looking for a salary in the range of Y-Z.

  • I am open to discussing the compensation package based on the job requirements and responsibilities.

  • I am looking for a competitive salary package that aligns with my skills and experience.

  • I am currently earning X and I am expecting a reasonable increase in my salary for this role.

Q8. Last three months pay slips

Ans.

Providing pay slips for the last three months to demonstrate income stability and consistency.

  • Ensure pay slips are accurate and up to date

  • Highlight any bonuses or additional income

  • Explain any fluctuations in income if necessary

Senior Credit Analyst Jobs

Senior Credit Analyst - Corporates 3-5 years
CRISIL
3.6
Pune
Senior Credit Analyst 3-7 years
Digially
4.6
₹ 12 L/yr - ₹ 20 L/yr
Mumbai Suburban
Crisil - Credit Analyst/Senior Credit Analyst - Large Corporates (1-5 yrs) 1-5 years
Crisil Limited
3.6

Q9. What is ECL model?

Ans.

ECL model stands for Expected Credit Loss model, used to estimate potential losses from defaulting loans.

  • ECL model is a financial model used by banks to estimate potential credit losses from defaulting loans.

  • It takes into account factors such as historical data, economic conditions, and borrower creditworthiness.

  • The model helps banks set aside appropriate reserves to cover potential losses.

  • ECL model is a key component of IFRS 9 accounting standards for financial instruments.

Interview Tips & Stories
Ace your next interview with expert advice and inspiring stories

Interview experiences of popular companies

3.5
 • 604 Interviews
3.7
 • 564 Interviews
4.0
 • 205 Interviews
3.6
 • 188 Interviews
3.0
 • 172 Interviews
3.8
 • 60 Interviews
3.1
 • 29 Interviews
View all

Calculate your in-hand salary

Confused about how your in-hand salary is calculated? Enter your annual salary (CTC) and get your in-hand salary

Recently Viewed
LIST OF COMPANIES
Credit Bajaar
Overview
PHOTOS
InsuranceDekho
3 office photos
SALARIES
CNK & Associates
SALARIES
nference
REVIEWS
nference
No Reviews
SALARIES
Food Corporation of India
No Salaries
DESIGNATION
COMPANY BENEFITS
Food Corporation of India
No Benefits
LIST OF COMPANIES
Food Corporation of India
Overview
COMPANY BENEFITS
Bombardier Transportation
No Benefits
Senior Credit Analyst Interview Questions
Share an Interview
Stay ahead in your career. Get AmbitionBox app
qr-code
Helping over 1 Crore job seekers every month in choosing their right fit company
65 L+

Reviews

4 L+

Interviews

4 Cr+

Salaries

1 Cr+

Users/Month

Contribute to help millions

Made with ❤️ in India. Trademarks belong to their respective owners. All rights reserved © 2024 Info Edge (India) Ltd.

Follow us
  • Youtube
  • Instagram
  • LinkedIn
  • Facebook
  • Twitter