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City Union Bank Interview Questions and Answers

Updated 25 Jun 2025
Popular Designations

41 Interview questions

A Deputy Manager was asked 5d ago
Q. How do you manage multitasking?
Ans. 

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...

View all Deputy Manager interview questions
A Deputy Manager was asked 5d ago
Q. What is the current state of banking technology?
Ans. 

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...

View all Deputy Manager interview questions
A Chief Manager Wholesale Credit was asked 2mo ago
Q. What is the process for post-sanction documentation?
Ans. 

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...

A Chief Manager Wholesale Credit was asked 2mo ago
Q. What is the biggest risk faced by banks?
Ans. 

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...

A Chief Manager Wholesale Credit was asked 2mo ago
Q. What are branch targets, and what growth has occurred?
Ans. 

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...

A Chief Manager Wholesale Credit was asked 2mo ago
Q. What is the pre-sanction process?
Ans. 

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...

A Senior Relationship Manager was asked 3mo ago
Q. What is the difference between 22-karat and 24-karat gold?
Ans. 

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...

View all Senior Relationship Manager interview questions
Are these interview questions helpful?
An Assistant Manager was asked 4mo ago
Q. How do you analyze a balance sheet?
Ans. 

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 ...

View all Assistant Manager interview questions
An Assistant Manager was asked 4mo ago
Q. How do you calculate FOIR?
Ans. 

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

View all Assistant Manager interview questions
An Assistant Manager was asked 4mo ago
Q. How will you process a loan proposal from end to end?
Ans. 

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...

View all Assistant Manager interview questions

City Union Bank Interview Experiences

101 interviews found

Interview Questionnaire 

2 Questions

  • Q1. 1) Define different types of mortgages
  • Ans. 

    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...

  • Answered by AI
  • Q2. 2) SRFAESI Act exceptions wherein you cannot send recall notice
  • Ans. 

    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...

  • Answered by AI
Interview experience
3
Average
Difficulty level
Easy
Process Duration
-
Result
Not Selected
Round 1 - Group Discussion 

Business analyst ethics cannot go together.- offline GD- 7-8 students.

Round 2 - One-on-one 

(1 Question)

  • Q1. Questions related to family, about my district, what it is famous for, founder of my UG college, why you were so quite in GD, how will you handle aggressive customer if you are so soft spoken, ready to rel...

Interview Preparation Tips

Interview preparation tips for other job seekers - Do not remain quiet in the group discussion; contribute significantly if you aspire to secure this position. The group discussion was not an elimination round; all students were interviewed afterward.
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
6-8 weeks
Result
No response

I applied via Campus Placement and was interviewed in Dec 2024. There were 3 interview rounds.

Round 1 - Group Discussion 

Inflation is good or bad?

Round 2 - One-on-one 

(2 Questions)

  • Q1. About the bank functioning
  • Q2. About the CV
Round 3 - One-on-one 

(2 Questions)

  • Q1. Location discuss
  • Q2. Ready to do marketing
  • Ans. 

    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

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Nice interview be calm, friendly and importantly be confident
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
6-8 weeks
Result
Selected Selected

I appeared for an interview in Aug 2024.

Round 1 - One-on-one 

(8 Questions)

  • Q1. What are the sections handled by you?
  • Q2. How will you Process the Loan Proposal end to end?
  • Ans. 

    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...

  • Answered by AI
  • Q3. Balance sheet analysis?
  • Ans. 

    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...

  • Answered by AI
  • Q4. Different types of loan products?
  • Ans. 

    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...

  • Answered by AI
  • Q5. How will you arrive Dp?
  • Ans. 

    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

  • Answered by AI
  • Q6. How to arrive FOIR?
  • Ans. 

    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

  • Answered by AI
  • Q7. Bank ratios
  • Q8. Turn over method,cash budgeting method,Tandon committee method

Interview Preparation Tips

Interview preparation tips for other job seekers - Gather knowledge of credits
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

Basics of quant like profit and loss, and logical reasoning as well as verbal

Round 2 - One-on-one 

(2 Questions)

  • Q1. Sell urself , family background
  • Ans. 

    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...

  • Answered by AI
  • Q2. What is portfolio , marketing
  • Ans. 

    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

  • Answered by AI

Manager II Interview Questions & Answers

user image Narayana M

posted on 25 Jun 2025

Interview experience
3
Average
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I appeared for an interview in May 2025, where I was asked the following questions.

  • Q1. About experience
  • Q2. About financials

Interview Preparation Tips

Interview preparation tips for other job seekers - Before joining any company first get the feedback about the company and supervisor

Operations Manager Interview Questions & Answers

user image Kaviyarasu A

posted on 22 Jan 2025

Interview experience
2
Poor
Difficulty level
Moderate
Process Duration
More than 8 weeks
Result
No response

I appeared for an interview in Jul 2024.

Round 1 - Technical 

(2 Questions)

  • Q1. What can you tell me about your banking knowledge?
  • Ans. 

    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

  • Answered by AI
  • Q2. Detailed banking knowledge and questions
Round 2 - HR 

(1 Question)

  • Q1. General information and knowledge about Bank sector
Round 3 - One-on-one 

(2 Questions)

  • Q1. General discussion
  • Q2. Are you willing to work anywhere in India
  • Ans. 

    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

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Search for a reputable company to enhance your life.

Branch Manager Interview Questions & Answers

user image Priya dharshini M

posted on 16 Dec 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via Campus Placement and was interviewed in Nov 2024. There were 2 interview rounds.

Round 1 - Group Discussion 

Gd topic was entrepreneurs in village

Round 2 - Technical 

(2 Questions)

  • Q1. Current ratio formula
  • Ans. 

    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...

  • Answered by AI
  • Q2. Repo rate meaning
  • Ans. 

    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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Learn basics of finance
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I appeared for an interview in Jan 2025.

Round 1 - HR 

(6 Questions)

  • Q1. What are the responsibilities of a relationship manager?
  • Ans. 

    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...

  • Answered by AI
  • Q2. What are the key functions and objectives?
  • Ans. 

    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...

  • Answered by AI
  • Q3. This job is field work or office work.
  • Ans. 

    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...

  • Answered by AI
  • Q4. Bank only give salareis or other benifits
  • Ans. 

    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 ...

  • Answered by AI
  • Q5. What are the expected communication for bank.
  • Ans. 

    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

  • Answered by AI
  • Q6. I am as a biginer, I haven't any experience in field and any segment.
  • Ans. 

    I am as a Fresher . My MBA post guardation complete since 2024 in August

  • Answered Anonymously

Interview Preparation Tips

Interview preparation tips for other job seekers - Always maintain a positive mindset.
Interview experience
4
Good
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Not Selected

I appeared for an interview in Jan 2025.

Round 1 - HR 

(5 Questions)

  • Q1. Self introduced, about company profile, situation question, about stream, and it related to bank
  • Q2. What us the company profile
  • Q3. What type of account does of city union bank offers
  • Ans. 

    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...

  • Answered by AI
  • Q4. What are the security measures for safe online banking
  • Ans. 

    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...

  • Answered by AI
  • Q5. What should I do if my internet banking account is locked
  • Ans. 

    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...

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I appeared for an interview in Jul 2024.

Round 1 - Aptitude Test 

Test will conduct the exam

Round 2 - One-on-one 

(2 Questions)

  • Q1. Interview agm or dgm or rdm process
  • Q2. Banking knowledge test
Round 3 - HR 

(2 Questions)

  • Q1. Hr discussion previos experience and job role.
  • Q2. Willing to work any where india
  • Ans. 

    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.

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Over all process to interview

Top trending discussions

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Interview Tips & Stories
2w
toobluntforu
·
works at
Cvent
Can speak English, can’t deliver in interviews
I feel like I can't speak fluently during interviews. I do know english well and use it daily to communicate, but the moment I'm in an interview, I just get stuck. since it's not my first language, I struggle to express what I actually feel. I know the answer in my head, but I just can’t deliver it properly at that moment. Please guide me
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City Union Bank Interview FAQs

How many rounds are there in City Union Bank interview?
City Union Bank interview process usually has 2-3 rounds. The most common rounds in the City Union Bank interview process are Aptitude Test, HR and One-on-one Round.
How to prepare for City Union Bank interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at City Union Bank. The most common topics and skills that interviewers at City Union Bank expect are Branch Sales, Channel Distribution, Analytical Techniques, Branch Banking and GPRS.
What are the top questions asked in City Union Bank interview?

Some of the top questions asked at the City Union Bank interview -

  1. If you customer is unhappy with some sort of your behaviour and wants to Join S...read more
  2. Bank for agriculture and small scale industri...read more
  3. Types of Banks? and Private banks established after 19...read more
How long is the City Union Bank interview process?

The duration of City Union Bank interview process can vary, but typically it takes about less than 2 weeks to complete.

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Overall Interview Experience Rating

3.9/5

based on 118 interview experiences

Difficulty level

Easy 27%
Moderate 69%
Hard 4%

Duration

Less than 2 weeks 56%
2-4 weeks 22%
4-6 weeks 5%
6-8 weeks 5%
More than 8 weeks 13%
View more

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City Union Bank Reviews and Ratings

based on 1k reviews

3.1/5

Rating in categories

3.1

Skill development

2.7

Work-life balance

3.0

Salary

3.6

Job security

2.8

Company culture

2.7

Promotions

2.8

Work satisfaction

Explore 1k Reviews and Ratings
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