ICICI Bank
- Company Interview Questions

Role: Treasury, Credit Manager
CTC for Company: 11,05,320 (approx.)
*CTC will vary depending on location of job placement.

ICICI Bank Interview Questions :

• What is Ind AS 116?
• What are the changes brought by Ind AS 116 and its affects in balance sheet, profitability and EBITDA?
• What’s the current ICICI Share price? Please share your view on it.
• Your advice for trading in futures and investing in current market scenario?
• You can expect the questions related to ratios? like - Debt Equity Ratio, Asset Turnover Ratio, Solvency Ratio, Financial Leverage Ratio?
• What is Section 44 AD?
• What do you know about credit manager role & duties?
• What is the working capital requirement (WCR)?
• Difference between Gramin Bank & Normal Bank?
• Difference between a Secured and Unsecured loans and its examples?
• What is the current Repo Rate/Reverse Repo Rate/CRR/SLR?

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Job Description: The Incumbent Is Responsible For Credit Underwriting Of Customers Across Individual, Business Banking And Rural Ecosystems With A Focus On 360 Degree Banking. Through A Superior Service, Delivery And Transaction Experience For Customers, The Credit Manager Gets An Opportunity To Capture The Diverse 360 Degree Banking Needs And Offers SolutionsAccordingly. The Incumbent Works Closely With The Sales & Relationship Teams To Onboard Value Customers For The Bank. The Role Has A Significant Contribution Towards Capturing Opportunities Across Customer Segments.CFM (Client Financial Management) Is Part Of Accenture Operations Responsible For Delivering Business Advisory Services To Accenture Client Teams Throughout The Lifecycle Of A Contract. Our Professionals Are Accountable For Driving Financial Health And Improved Business Results By Providing Analysis And Advice To Internal Accenture Client Leads.
Candidate Should Have A Graduate Degree With Professional Qualification Of Chartered Accountancy, ICWAI Or CFA. Alternatively, Should Be A CA/ICWAI-Intermediate, MBA-Finance With 2 Years Of Experience Or Should Have Graduate, Post-Graduate Degree From A Premier Institution Preferably In Economics / Commerce / Business Administration Or Finance With Min 3 Years Of Experience.

Experience:

• Experience In Credit Underwriting, Credit Appraisal, Finance, Risk, Audit Will Be Preferred
• Should Have An Analytical Bend Of Mind
• Basic Knowledge Of Financing And Financial Statements
• Collaborative And Orientation To Work In Cross Functional Teams
• Should Have An Orientation To Learn
• Conceptual Understanding Of Risk And Risk Mitigation Strategies
• Basic Orientation For Business And Analytical Acumen •Basic Understanding Of Financial Analysis, Balance Sheet And Profit And Loss Accounts
• Ability To Assess Impact Of Policies, Rules And Regulations On Portfolio
• Strong Communication (Both Oral And Written) And Negotiation Skills
• Attention To Detail
• Would Be An Added Advantage
• Ability To Articulate Own Point Of View

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Primary Job Duties/Responsibilities:

• Undertake A Comprehensive 360 Banking Assessment Of Customers And Offer Right Banking Solutions
• Undertake A Thorough And Comprehensive Single Window Credit Assessment ProcessWhich Can Serve As The Enabler To Offer the Right Loan Products To Customers
• Undertake The Credit Assessment Process Within Defined Turn-Around-Time (TAT)
• Focus On Delivering Best In Class Service And Transaction Experience To Customers In Every Engagement
• Consider Key Market Nuances In The Credit Underwriting Process
• Undertake Comprehensive Opportunity Capturing While Conducting Credit Assessment
• Keep A Focus On Creating High Quality Portfolio
• Manage The CompleteLife-Cycle Of Loan Process, Through Credit Application Till Disbursement
• Keep A Track Of Market Factors, Indices, Policies And Regulations And Identify The Impact On Credit Portfolio And Decisioning
• Ensure Post Disbursement Documents And Covenant Management
• Closely With Internal Teams Such As Legal, Technical Valuation, Filed Investigation, Risk Containment Amongst Others
• Monitor Loan Utilization, Repayment Capacity, Adherence To Policy/Guidelines And Loan Covenants And Other Critical Process And Compliance Checks

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