Retail Lending Certification Quiz

Retail Lending Certification Quiz

University

10 Qs

quiz-placeholder

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Retail Lending Certification Quiz

Retail Lending Certification Quiz

Assessment

Quiz

Financial Education

University

Practice Problem

Medium

Created by

Neangsambo Tan

Used 2+ times

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10 questions

Show all answers

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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