Credit Analyst I Interview Questions


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Wells Fargo
Credit Analyst I was asked...13 February 2014

What is the difference between a line of credit and a term loan?

3 Answers

Term loan has fixed interest rate, length, and amount; line of credit varies in interest rate and is of indefinite length. Less

You can advance on a line of credit multiple time, until you reach your maximum amount however once you pay it down you can advance on that same line again without applying for a new loan. For a term loan you have one payout and can not advance on it multiple times it also has a set Maturity date to pay the loan back. Less

Line of credit sets a maximum limit you can borrow. The difference is you can take out multiple loans as long as you don't go over the maximum limit and usually only pay interest on the outstanding balance you've borrowed. Term loan is as explained above. Less

Wells Fargo

What does EBITA stand for?

2 Answers

That is incorrect. It is Earnings before Interest, Taxes, and Amortization.

Earning Before Income Taxes & Amortization

US Foods

What do you find most irritating about people?

2 Answers


Being the people person that I am, if someone does annoy me, they certainly don't need to know about it. Instead, try to find common ground. There will always be that one special individual that can't be pleased until you break the rules for them, which I'm not willing to do. So just let them the next best thing. Kindness. They don't have to like it ;-) Less


How do you feel your past work experience has prepared you to succeed in this role?

1 Answers

I used the S.T.A.R. method to provide an example how a project that I worked on in the past utilized many of the same skills and concepts that I believed would be vital to performing well in the position. I concluded my answer by relating how the favorable outcome that I achieved demonstrated my effective application of the concepts. Less

Rogers Communications

How would you handle the difficult situation?

1 Answers


First Merchants

What are the three financial statements and how do they connect?

1 Answers

Income Statement, Balance Sheet, and Cash Flow Statement. The income statement flows through to the equity section of the balance sheet. The cash flow statement further connects the two showing where the cash balance was at the beginning of the year and where it is at the end of the year. Less

M&T Bank

What is the relationship between cap rates and interest rates?

1 Answers

Positive relationship.

First Merchants

Tell me about what you valued most about your time studying in college.

1 Answers

I talked about the group work and how challenging the course work was that was able to make me tougher and work harder. Less

Wells Fargo

Name three non cash accounts

1 Answers

Accounts Receivable, Accounts Payable, Depreciation/Amortization

Heartland Bank and Trust Company

How do you measure success in work for yourself?

1 Answers

I gauge my success in how much I am learning. I aim to know more today than yesterday. Less

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