Commercial Banking Interview Questions | Glassdoor

Commercial Banking Interview Questions

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If you could look at one financial statement to give a loan, which would it be?

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Cash Flow Statement

CASH FLOW STATEMENT. BECAUSE IT IS THE ONLY STATEMENT THAT DOES NOT ACCOUNT CREDIT SALES OR NON RECURRING ITEMS AS INCOME FROM REGULAR OPERATIONS. THIS STATEMENT REVEALS THE ACTUAL INFLOW OF CASH THAT THE COMPANY RECEIVED DURING THAT PERIOD. ALSO, BECAUSE THE CASH FLOW STATEMENT REVEALS WHAT CASH HAS BEEN USED FOR, IF CASH CAME IN OR OUT AS A FORM OF INVESTING OR FINANCING ACTIVITIES. THE CFS REVEALS HOW MUCH THE COMPANY SPENT INVESTING AND HOW MUCH DEBT THE COMPANY IS CARRYING BOTH LONG AND SHORT TERM AS A FORM OF FINANCING. THE CFS IS THE IDEAL STATEMENT FOR MANY OTHER REASONS.

Tell me what you learned about DCFs in class.

1 Answer

What is the first line item on a cash flow statement?

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What statements would you look at to evaluate whether to give a company a loan?

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Name some Credit Metrics.

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Tell me about a time where you disagreed with someone and how did you overcome that?

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Three financial statements.

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Without having a company's financial statements, what is something you should know in order to evaluate whether or not they should receive a loan.

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What ratios from the financial statements would you look at when deciding to lend to a company?

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What are your previous aspirations?

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