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Credit analyst Interview Questions

"Through exceptional IT, analytical, and problem solving skills, credit analysts are responsible for assessing their client's credit applications. Employers are looking for candidates who can accurately determine the risk if the bank were to issue someone a loan and therefore will ask about what financial statements you would focus on and the relationships between them. Expect situational questions about loss from a sale, capital gain, or negative net income. To ace your interview, research into the company and understand how their program is run."

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"What are the relationship between the three major financial statements"

1 Answer

Starts with the income statement, which brings you to net income. Net income is used to start the statement of retained earnings. Once retained earnings is calculated it is posted to the balance sheet in the equity section of the statement. Net income is also used to start the cash flows statement, which eventually gives you the change in cash flows that is posted in the asset section of the balance sheet.

What would you ask when someone wanted to borrow a money? What specifically would you look at (in the financial statements)?

1 Answer

How do you determine the risk profile of a company?

2 Answers

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How would you reconcile retained earnings?

1 Answer

Consider a random walk on a graph in the shape of the capital letter Y, with nodes at A and B at the top, C at the bottom, and O in the center. With probability 1/3, there is a transition from O to A, B, or C that takes 1 time unit to complete. Find the expected time to get to C, starting at A.

7 Answers

What will you do if you get offered an amazing opportunity elsewhere that pays more once you have started here?

5 Answers

I was asked if I had any problem working for a woman controller who likes to micromanage a department the way she sees fit?

4 Answers

Sell me this pen.? Past experience..

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what's the degree angle between the hour and minute hand at 3:15?

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"Company A with a market cap of $25B announces a $5B stock buy-back program. How would the CDS on Company A react?"

3 Answers
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