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CREDIT ANALYST
INTERVIEW QUESTIONS

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CA Ghanshyam Agarwal

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

A credit analyst’s primary role is to assess the

creditworthiness of an individual or company.

Credit analysts gather different financial

information from a customer, such as earnings and
past repayment history, to assess their ability to
honor financial obligations.

They can also compare the ratios with industry

benchmarks to decide if a borrower’s cash flow is
sufficient to repay the loan.

Credit analysts are mainly employed by insurance

companies, credit rating agencies, commercial and
investment banks, credit card issuing companies,
etc.

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

01. 02. 03.

Evaluating Analyze Review
Credit Financial credit limits
Risk Data of existing
customers

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

DUE
DILIGENCE

KNOWLEDGE
OF INDUSTRY

ABILITY TO
MULTITASK

WELL-VERSED
WITH FINANCE
SOFTWARE

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

Helpful in Roles:

Equity Research Analyst

Investment Banking Analyst

Buy Side and Sell Analyst

Private equity Analyst

Financial Analyst

Merger and Acquisition

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

Q1 WHAT IS CREDIT ANALYSIS?

WHAT IS UNDERWRITING?
Q2 EXPLAIN THE UNDERWRITING PROCESS?

WHAT DOES "INTEREST COVERAGE RATIO"

Q3 MEAN?

WHAT ARE THE IMPORTANT

Q4 RESPONSIBILITIES OF A CREDIT ANALYST?

Q5 WHAT ARE THE 4 CS OF THE CREDIT ANALYST?

HOW IS A CREDIT ANALYST DIFFERENT

Q6 FROM A LOAN OFFICER?

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

Q7 HOW IS A FIRM VALUED?

WHAT CREDIT MEASURES DO BANKS OFTEN

Q8 LOOK AT? / WHAT TYPICAL CREDIT ANALYSIS
RATIOS ARE THERE?

Q9 WHAT IS DSCR?

ARE BANKS TARGETING A SPECIFIC DEBT-TO-

Q10 CAPITAL RATIO?

HOW DO CREDIT RATING COMPANIES HELPS IN

Q11 CREDIT ANALYSIS?

HOW WOULD YOU DECIDE WHETHER TO LEND

Q12 TO A BUSINESS?

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

WHAT KINDS OF CREDIT FACILITIES ARE

Q13 AVAILABLE TO BUSINESSES?

Q14 WHAT IS LOAN TO VALUE RATIO?

Q15 WHAT IS DOWN PAYMENT?

Q16 WHAT IS DEBT TO INCOME RATIO?

WHAT IS THE DIFFERENCE BETWEEN

Q17 EBIT AND EBITDA.

Q18 WHAT IS SECURITIZATION?

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

Q19 WHAT IS CREDIT CRUNCH?

Q20 WHAT IS DISTRESSED SECURITIES?

Q21 WHAT IS CREDIT RISK?

DISTINGUISH BETWEEN
Q22 FINANCIAL LEASE AND OPERATING LEASE?

WHAT IS WORKING CAPITAL?

Q23 HOW WILL YOU CALCULATE IT?

Q24 DISTINGUISH BETWEEN LONG TERM AND

SHORT-TERM DEBT?

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

RELEVANT RATIOS TO LEARN FOR CREDIT

Q25 ANALYSIS?

Q26 WHAT IS THE ROLE OF CASH FLOW?

Q27 WHAT IS ASSETS TO TURNOVER RATIO?

WHAT IS THE DIFFERENCE BETWEEN

Q28 QUICK RATIO AND CURRENT RATIO?

WHAT HAVE YOU LEARNT FROM FINANCIAL

Q29 STATEMENT ANALYSIS?

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

We believe in growth by uplifting & promoting

others & creating long term relations and trust with
people.

I am a CA by profession with 5 yrs of Experience.

Worked in :

1. PWC SDC Risk Assurance.

2. Baker Tilly DHC Due Diligence.
3. DB Desai Indirect Tax.
4. EY India Statutory Audit.
5. KPMG India Audit.

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

For Courses In

CAREER MOCK PRACTICAL SKILL

GUIDANCE FOR INTERVIEW IN BUILDING COURSES
CA FRESHER, DIFFERENT IN STATUTORY &
SEMI CA OR COMMERCE INTERNAL AUDIT
MBA FINANCE, DOMAIN TAXATION FINANCE
BCOM, MCOM AND OTHERS
OR ACCA.

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 CREDIT ANALYST
CA Ghanshyam Agarwal
INTERVIEW QUESTIONS @caghanshyamagarwal

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