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Commercial lender Interview Questions

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Wells Fargo
Financial Analyst Summer Internship-Commercial Lending was asked...22 February 2013

While discussing the three items from financial statements that a lender would want to look at, they asked what other things(non-financials) might you want to review of the customer.

1 Answers

Personal assets, personal lifestyle, and commitment to the company.

Savoy Bank

My current salary which is illegal

2 Answers

I told the truth

I interviewed with Savoy in December of 2017 also. But, they hired me. To date, the President has never acted like a moron. And, it is a well known fact that the CFO has a stellar work history. Less

Bank Five Nine

What have I produced, why was the last job only 6 months.

1 Answers

Averaged $7-12 Million in loans over the past 5 years. Was not a good fit.

First American Equipment Finance

Are you comfortable making 60-80 phone calls per day?

1 Answers

Yes, I want to spend most of my time prospecting for new customers and interacting with them on the phone. I'm very comfortable with rejection, etc. Less

Wells Fargo

How do you analyze whether a manufacturing company will have the competency to pay back a 85$ million dollar loan for a merchandise purchase they believe will make them profitable?

1 Answers

Look at the financial statements... please do not give me unnecessary information if the only answer you were looking for was the balance sheet, statement of cash flows, and income statement. You threw me in a riddle for no reason and proceeded to tell me I was wrong on so many levels. Thanks for the insight on the actual position. You gave none. Less

Wells Fargo

Basic accounting questions: -what does EBITA stand for -how are the three financial statements linked -if you were to use one financial statement which would you use -what is the formula for DSCR

1 Answers

statement of cash flows because cash is the most important thing to look at when lending Less

American Heritage Federal Credit Union

where are my referral sources from

1 Answers

years of networking

TD

Why did you choose TD?

1 Answers

Identified key differential aspects pertaining to TD specifically and mentioned it was my personal banking choice. Less

Spirit of Texas Bank

All of the questions that were asked during my phone conversation with James Barkley as well as my interview questions with the hiring managers of David Monk & John Mills were neither difficult or unexpected. I have been in the Banking Profession for over Twenty Five (25) Years and I can honestly say that this process was by far the smooth and most professional I have ever experienced in my career.

1 Answers

Straightforward, honest & completely at ease. At no time did I have the impression that the team was not being completely honest and to the contrary everyone, James, David & John went out of their way to ensure that I was clear on all of there answers to every question I proposed during our time together. The support has continued well after my start date. My recruiter has followed up with me for the purpose of ensuring that everything has gone smooth & to emphasis both himself and HR as always available to aid or assist me both during and after my transition. Less

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