
Retail Lending Certification Quiz
Authored by Neangsambo Tan
Financial Education
University
Used 2+ times

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10 questions
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1.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is the primary role of BFIs in the financial sector?
To manage government funds exclusively
To only provide loans to large corporations
To channel financial resources from depositors to borrowers
To lend money without assessing credit risk
2.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which of the following is a purpose of credit in supporting Business Lending context?
To provide personal loans for vacations
To support business investment in working capital or capital expenditure
To fund government projects
To finance personal consumption
3.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is the first step in the credit risk identification process?
Assessing the borrower's credit history
Assigning a Credit Risk Officer to review loan files
Verifying the collateral value
Calculating the loan purpose
4.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which document is NOT required for Customer Due Diligence (CDD)?
Passport
National identity card
Business registration
Credit history report
5.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What type of loan is suitable for a business needing flexibility in repayment during peak seasons?
Home Improvement Loan
Overdraft
Revolving Loan
Term Loan
6.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What principle does a bank adhere to when ensuring that a loan is used for the right purpose?
Principle of Customer Satisfaction
Principle of Credit Assessment
Principle of Loan Utilization
Principle of Risk Management
7.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
If a borrower has a high Debt Service Coverage Ratio (DSCR), what does it indicate?
The borrower has multiple loans
The borrower has a strong repayment capacity
The borrower is likely to default
The borrower is in financial trouble
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