Interview questions by Bank
Dear All,
I applied for a credit analyst position, I was asked by the hiring manager these questions:
1) Discuss the procedures when you write a credit paper, i.e analyse financial statements, cash flow , company profile etc.
2) For the financial statement, is there any difference in financial ratios for a manufacturing firm and a service industry as well as a trading company? If yes, what are the ratios and what is the range for the ratios? For example, gearing ratio will be low for a service industry as compare to another industry and maybe gearing for service industry range from 1.5-2, while a construction industry gearing will be higher.
I totally have no cue for the answer. Anyone in this industry knows the answer?
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