Filter interviews by
I effectively manage multitasking by prioritizing tasks, utilizing tools, and maintaining clear communication with my team.
Prioritization: I use the Eisenhower Matrix to categorize tasks by urgency and importance, ensuring critical tasks are addressed first.
Time Management: I allocate specific time blocks for different tasks, such as dedicating mornings for strategic planning and afternoons for team meetings.
Deleg...
Banking technology is rapidly evolving with digital transformation, AI, and enhanced security measures shaping the industry.
Increased adoption of mobile banking apps, allowing customers to manage accounts on-the-go.
Integration of AI for personalized customer service, such as chatbots and virtual assistants.
Blockchain technology is being explored for secure transactions and reducing fraud.
Open banking initiatives a...
Post-sanction documentation ensures compliance and risk management after credit approval.
1. Review Sanction Letter: Ensure all terms and conditions are clear and agreed upon.
2. Collect Required Documents: Gather necessary documents such as KYC, financial statements, and collateral agreements.
3. Legal Documentation: Prepare and execute legal agreements, such as loan agreements or security documents.
4. Compliance Ch...
The biggest risk faced by banks is credit risk, which arises from borrowers failing to meet their financial obligations.
Credit Risk: The risk of default on a debt that may arise from a borrower failing to make required payments. Example: A corporate loan default.
Market Risk: The risk of losses in financial markets due to adverse price movements. Example: Fluctuations in interest rates affecting bond prices.
Operati...
Branch targets are specific goals set for financial performance and growth in wholesale credit, reflecting overall business strategy.
Branch targets typically include metrics like loan disbursement volumes, customer acquisition rates, and portfolio growth.
For example, a target might be to increase loan disbursements by 15% year-over-year.
Growth can be measured through the increase in the number of clients served or...
The pre-sanction process involves assessing creditworthiness before approving a loan or credit facility.
1. Initial Assessment: Evaluate the borrower's financial health, including credit score and history.
2. Documentation: Collect necessary documents such as financial statements, tax returns, and business plans.
3. Risk Analysis: Analyze potential risks associated with lending to the borrower, including market condi...
22K gold contains 91.67% gold, while 24K gold is pure gold at 99.99%, affecting purity and durability.
22K gold has 22 parts gold and 2 parts other metals, making it more durable than 24K.
24K gold is considered pure gold, ideal for investment but softer and more prone to scratches.
Jewelry made from 22K gold is often more affordable and suitable for daily wear.
24K gold is typically used in high-end jewelry and inves...
Balance sheet analysis evaluates a company's financial position by examining assets, liabilities, and equity.
Assess liquidity by comparing current assets to current liabilities (e.g., current ratio).
Evaluate solvency by analyzing total liabilities against total assets (e.g., debt-to-equity ratio).
Examine trends over time by comparing balance sheets from different periods to identify growth or decline.
Look for red ...
FOIR stands for Financial Obligations to Income Ratio, which is a measure of an individual's ability to manage their debt payments.
Calculate FOIR by dividing total monthly debt obligations by gross monthly income
A FOIR of less than 40% is considered healthy
Lenders use FOIR to assess a borrower's creditworthiness
I will process the loan proposal end to end by analyzing the applicant's financial information, verifying documents, assessing risk, and making a decision.
Analyze the applicant's financial information to determine their creditworthiness
Verify all necessary documents such as income statements, tax returns, and bank statements
Assess the risk involved in lending to the applicant based on their financial history and c...
Different types of mortgages include fixed-rate, adjustable-rate, FHA, VA, and jumbo loans.
Fixed-rate mortgages have a set interest rate for the life of the loan.
Adjustable-rate mortgages have an interest rate that can change over time.
FHA loans are backed by the Federal Housing Administration and have lower down payment requirements.
VA loans are guaranteed by the Department of Veterans Affairs and are available to eli...
Certain exceptions under the SRFAESI Act prevent sending recall notices to borrowers under specific circumstances.
1. If the borrower is a micro or small enterprise, recall notices cannot be sent without following due process.
2. If the loan is under litigation, sending a recall notice may be prohibited until the legal matter is resolved.
3. In cases where the borrower has filed for bankruptcy, recall notices cannot be is...
Business analyst ethics cannot go together.- offline GD- 7-8 students.
I applied via Campus Placement and was interviewed in Dec 2024. There were 3 interview rounds.
Inflation is good or bad?
Yes, I am ready to do marketing. I have experience in creating marketing strategies and campaigns.
I have experience in creating marketing strategies and campaigns
I am familiar with social media marketing and digital advertising
I have worked on market research and competitor analysis
I am comfortable with data analysis and tracking marketing performance
I appeared for an interview in Aug 2024.
I will process the loan proposal end to end by analyzing the applicant's financial information, verifying documents, assessing risk, and making a decision.
Analyze the applicant's financial information to determine their creditworthiness
Verify all necessary documents such as income statements, tax returns, and bank statements
Assess the risk involved in lending to the applicant based on their financial history and curren...
Balance sheet analysis evaluates a company's financial position by examining assets, liabilities, and equity.
Assess liquidity by comparing current assets to current liabilities (e.g., current ratio).
Evaluate solvency by analyzing total liabilities against total assets (e.g., debt-to-equity ratio).
Examine trends over time by comparing balance sheets from different periods to identify growth or decline.
Look for red flags...
Different types of loan products include personal loans, home loans, auto loans, and student loans.
Personal loans: Unsecured loans for personal use, typically with fixed interest rates.
Home loans: Loans used to purchase or refinance a home, with options like fixed-rate and adjustable-rate mortgages.
Auto loans: Loans specifically for purchasing a vehicle, with terms based on the cost of the vehicle and borrower's credit...
I will arrive at Dp by utilizing my strong leadership skills, experience in team management, and ability to prioritize tasks effectively.
Utilize strong leadership skills to guide team towards achieving goals
Leverage experience in team management to delegate tasks efficiently
Prioritize tasks effectively to ensure smooth operations
FOIR stands for Financial Obligations to Income Ratio, which is a measure of an individual's ability to manage their debt payments.
Calculate FOIR by dividing total monthly debt obligations by gross monthly income
A FOIR of less than 40% is considered healthy
Lenders use FOIR to assess a borrower's creditworthiness
Basics of quant like profit and loss, and logical reasoning as well as verbal
I am a dedicated and experienced Relationship Manager with a strong family background in business and finance.
I have over 5 years of experience in relationship management, consistently exceeding sales targets and building strong client relationships.
My family has a long history in the business and finance industry, providing me with a solid foundation and understanding of the sector.
I am passionate about helping client...
Portfolio marketing involves promoting a group of products or services to a specific target market.
Involves promoting a collection of products or services together
Targeted towards a specific market segment
Focuses on showcasing the benefits and value of the entire portfolio
Strategies may include cross-selling, upselling, and bundling products/services
I appeared for an interview in May 2025, where I was asked the following questions.
I appeared for an interview in Jul 2024.
I have extensive banking knowledge gained through 10+ years of experience in various roles within the industry.
10+ years of experience in banking industry
Strong understanding of banking products and services
Knowledge of regulatory requirements and compliance
Experience in managing operations and implementing process improvements
Yes, I am willing to work anywhere in India.
I am open to relocating for the right opportunity
I have experience working in different locations across India
I am flexible and adaptable to new environments
I applied via Campus Placement and was interviewed in Nov 2024. There were 2 interview rounds.
Gd topic was entrepreneurs in village
Current ratio formula is a financial metric used to evaluate a company's ability to pay its short-term obligations.
Current ratio formula = Current Assets / Current Liabilities
It measures a company's liquidity and ability to cover its short-term debts
A ratio above 1 indicates the company has more current assets than liabilities
For example, if a company has $100,000 in current assets and $50,000 in current liabilities, t...
Repo rate is the rate at which the central bank lends money to commercial banks for short-term periods.
Repo rate is used by central banks to control inflation and liquidity in the economy.
A higher repo rate means higher borrowing costs for banks, leading to lower money supply and lower inflation.
Conversely, a lower repo rate means lower borrowing costs for banks, leading to higher money supply and potentially higher in...
I appeared for an interview in Jan 2025.
A relationship manager is responsible for building and maintaining relationships with clients to ensure their satisfaction and loyalty.
Developing and maintaining relationships with clients
Understanding clients' needs and providing solutions
Acting as a liaison between clients and internal teams
Monitoring client satisfaction and addressing any issues
Identifying opportunities to upsell or cross-sell products/services
Provi...
Key functions and objectives of a Relationship Manager include building and maintaining client relationships, identifying opportunities for growth, and providing excellent customer service.
Building and maintaining strong relationships with clients
Identifying opportunities for business growth and development
Providing excellent customer service and support
Developing and implementing strategies to meet client needs and ob...
The role of a Relationship Manager involves both field and office work, balancing client interactions and administrative tasks.
Field work includes meeting clients, attending events, and networking to build relationships.
Office work involves managing client accounts, preparing reports, and strategizing for client retention.
For example, a Relationship Manager might spend mornings in the office analyzing client data and a...
Banks provide salaries and various benefits to attract and retain talent, ensuring employee satisfaction and productivity.
Salaries are competitive to attract skilled professionals, e.g., Relationship Managers earn based on experience and performance.
Benefits may include health insurance, retirement plans, and bonuses, enhancing overall compensation.
Banks often offer training and development programs, such as workshops ...
Clear, timely, and professional communication is expected from a bank.
Regular updates on account activities and transactions
Prompt responses to customer inquiries and concerns
Clear explanations of banking products and services
Professional and courteous communication with clients
Effective communication between different departments within the bank
I am as a Fresher . My MBA post guardation complete since 2024 in August
I appeared for an interview in Jan 2025.
City Union Bank offers various accounts including savings, current, and fixed deposit accounts tailored for different customer needs.
Savings Account: Designed for individuals to save money while earning interest. Example: Regular Savings Account with competitive interest rates.
Current Account: Aimed at businesses for daily transactions, offering features like overdraft facilities. Example: Business Current Account with...
Secure online banking involves multiple measures to protect personal and financial information from unauthorized access.
Use strong, unique passwords for your banking accounts.
Enable two-factor authentication (2FA) for an extra layer of security.
Regularly monitor your bank statements for unauthorized transactions.
Keep your computer and mobile devices updated with the latest security software.
Avoid using public Wi-Fi for...
If your internet banking account is locked, follow these steps to regain access securely and efficiently.
Check for any error messages: Sometimes, the reason for the lock is displayed on the login page.
Contact customer support: Call or email your bank's customer service for assistance.
Verify your identity: Be prepared to answer security questions or provide identification.
Reset your password: If prompted, follow the ban...
I appeared for an interview in Jul 2024.
Test will conduct the exam
Yes, I am willing to work anywhere in India.
I am open to relocating for the job.
I am flexible and adaptable to different locations.
I am excited about the opportunity to work in various parts of India.
Top trending discussions
The duration of City Union Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
based on 118 interview experiences
Difficulty level
Duration
based on 1k reviews
Rating in categories
Relationship Manager
776
salaries
| ₹2.2 L/yr - ₹7 L/yr |
Assistant Manager
603
salaries
| ₹4.5 L/yr - ₹11 L/yr |
Senior Associate
538
salaries
| ₹2.9 L/yr - ₹6.8 L/yr |
Relationship Officer
299
salaries
| ₹2.5 L/yr - ₹6.8 L/yr |
Branch Manager
279
salaries
| ₹11 L/yr - ₹19.6 L/yr |
HDFC Bank
ICICI Bank
Axis Bank
Kotak Mahindra Bank