Senior Credit Assessment Officer Interview Questions and Answers

Factors considered include financial history, income stability, debt-to-income ratio, credit score, and collateral.

• Financial history of the borrower

• Income stability and source of income

• Debt-to-income ratio

• Credit score of the borrower

• Collateral provided by the borrower

The 4 C's of credit are character, capacity, capital, and collateral.

• Character refers to the borrower's credit history and reputation for repaying debts.

• Capacity assesses the borrower's ability to repay the loan based on income and existing debts.

• Capital evaluates the borrower's financial reserves and assets.

• Collateral is the borrower's assets that can be used as security for the loan.