ICICI Bank - Company Interview Questions

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 offer solutions accordingly. 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.

Qualifications: Candidate should have a graduate degree with a 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 a graduate/post-graduate degree from a premier institution, preferably in Economics / Commerce / Business Administration or Finance, with a minimum of 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

Banking Company Interview Preparation | Frequently Asked Questions in a Job Interview | CA ICAI Placements

Primary Job Duties/Responsibilities:

• Undertake a comprehensive 360 banking assessment of customers and offer the right banking solutions
• Undertake a thorough and comprehensive single window credit assessment process which can serve as the enabler to offer the right loan products to customers
• Undertake the credit assessment process within a 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 a high quality portfolio
• Manage the complete life-cycle of the loan process, through credit application till disbursement
• Keep track of market factors, indices, policies and regulations, and identify the impact on credit portfolio and decisioning
• Ensure post-disbursement documents and covenant management
• Work closely with internal teams such as Legal, Technical Valuation, Field Investigation, Risk Containment, amongst others
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks

More Interview Preparation Sessions:

• Bank Interview Question & Answers || ICICI Bank Campus Placement
• ICICI Bank Interview Questions For CA Jobs || Tips To Crack ICAI Campus & Placement