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Credit Analyst Exit Test

Authored by Baroda Academy

Professional Development

Professional Development

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Credit Analyst Exit Test
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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?

Early loan repayment

Consistent loan installments

Frequent overdraft requests

Reduced production capacity

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