ICICI Bank Senior Relationship Manager Interview Questions and Answers

Working capital loan processing involves assessing the borrower's financials and determining the appropriate loan amount and repayment terms.

• Assess the borrower's financials, including cash flow, revenue, and expenses

• Determine the appropriate loan amount and repayment terms based on the borrower's financials and creditworthiness

• Consider various methods of working capital financing, such as lines of credit, invoice fina...read more

DER, DSCR, and other financial ratios are important for assessing a company's financial health.

• DER (Debt-to-Equity Ratio) measures a company's leverage and indicates how much debt is used to finance assets.

• DSCR (Debt Service Coverage Ratio) measures a company's ability to pay its debt obligations and indicates the amount of cash flow available to cover debt payments.

• Other financial ratios like Current Ratio, Quick Rati...read more

Risk mitigation factors in credit appraisal

• Assessing creditworthiness of borrower

• Collateral evaluation

• Credit history check

• Industry and market analysis

• Financial analysis of borrower

• Loan structuring and covenants

• Regular monitoring and review