
Credit Analyst Exit Test
Quiz
•
Professional Development
•
Professional Development
•
Practice Problem
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Medium
Baroda Academy
Used 1+ times
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18 questions
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1.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which of the following is the primary purpose of conducting due diligence before loan approval?
To verify the borrower’s repayment capacity and minimize risk
To assess the bank’s profitability
To ensure higher interest rates are charged
To fulfill regulatory requirements only
2.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
A key indicator of financial distress in MSME borrowers is:
Consistent profit growth
High inventory turnover
Delayed receivables and reduced cash flow
Strong credit rating
3.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Credit monitoring involves tracking which of the following?
Changes in borrower’s business performance and market conditions
Stock prices
Bank’s overall profitability
National GDP only
4.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is the primary objective of preventive vigilance in the credit process?
Identifying and rewarding high-performing employees
Reducing fraud and ensuring compliance
Promoting aggressive credit disbursement
Enhancing customer loyalty
5.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which financial ratio is most commonly used in assessing MSME creditworthiness?
Dividend Yield
Return on Equity (ROE)
Debt Service Coverage Ratio (DSCR)
Price-to-Earnings Ratio
6.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
A bank’s continuous review of an MSME borrower’s cash flows and operational efficiency is known as:
Risk Management
Periodic Audit
Credit Monitoring
Regulatory Compliance
7.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which of the following is a red flag in credit monitoring of MSME accounts?
Which of the following is a red flag in credit monitoring of MSME accounts?
Early loan repayment
Consistent loan installments
Frequent overdraft requests
Reduced production capacity
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