Credit Analyst Interview Questions

In a credit analyst interview, it is likely that employers will ask you questions that relate to your analytical and analysis skills, as well as your ability to manage multiple projects. You can expect them to pose interview questions that ask you to describe situations in which you analysed data to make important strategic decisions.

6,996 Credit Analyst interview questions shared by candidates

Top Credit Analyst Interview Questions & How to Answer

Here are three top credit analyst interview questions and tips on how to answer them:

Question No. 1: What steps do you take when evaluating whether a borrower is capable of repaying a loan?

How to answer: This interview question encourages you to provide a list of steps you take when analysing the risk of potential borrowers. You can use this question to demonstrate skills in evaluating, assessing, calculating and decision-making, which are all important when working as a credit analyst.

Question No. 2: Tell me about the financial software programs you are most comfortable using.

How to answer: Using software programs is a part of working as a credit analyst, as you will often collect and analyse data using them. Use your answer here to describe which programs you have used in the past, as well as your comfort level with using each one.

Question No. 3: Which skill sets you apart from other credit analysts applying for the same position?

How to answer: This is your chance to stand out from other candidate competitors and to highlight what makes you a unique analyst. You might discuss a specific skill, such as your ability to predict risk or to lead multiple client projects efficiently.

Top Interview Questions

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Goldman Sachs
Strategist, Credit Flow Desk was asked...14 March 2014

Consider a random walk on a graph in the shape of the capital letter Y, with nodes at A and B at the top, C at the bottom, and O in the center. With probability 1/3, there is a transition from O to A, B, or C that takes 1 time unit to complete. Find the expected time to get to C, starting at A.

7 Answers

All branches go to O with prob 1. So Ec_a = 1 + 1/3 + 2/3Ec_c since the time from b to a is the same by symmetry. Solving we have Ec_a = 4 Less

I thought this was a geometric series question and came up with the answer of 2, which was clearly wrong. The interviewer tried to help me out, but he and I were using different notation, which we only discovered after 10 minutes of very confusing discussion, in which we both probably thought the other was either insane or stupid. He kept prodding me to "use the symmetry of the situation" (i.e., A and B are basically the same thing), but I wasn't able to see how the symmetry translated into a mathematical result. We moved on without discovering the answer. Less

if no probability is associated with A to O (A to O is a certain thing to happen) then it would be 1+ 1*(1/3) = 4/3. correct me if im wrong Less

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Condé Nast

What will you do if you get offered an amazing opportunity elsewhere that pays more once you have started here?

5 Answers

I would return the question, what would you do if after hiring me you found an amazing candidate that would work twice like me and ask for half as much? Less

There's monetary income and there's psychological income. Very often, the first will satisfy on the short term, but the second carries on for the long term. A good working environment, an exciting and intellectually stimulating job, and a package of good benefits go a long way in making an employee happy. Less

There are many factors to be considered before deciding to move to another workplace, once I have started working at a specific company. They include, but are not limited to employee treatment, company's short term and long term goals, company's social o community policies, opportunities for employees' growth and job stability. A temporary or apparent advantageous opportunity elsewhere might not seem so brilliant if we analyse of these factors. So, I would stay with the company that provides the best working environment, fair compensation and opportunities to grow, as well as a philosophical approach to society as a whole and the community around it that is beneficial and positive. Less

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Kotak Mahindra Bank

Why do you want to be in sales? What makes you think you are fit for sales job? Why home loans/credit cards?

5 Answers

because I am working with HDB Financial SERVICES Ltd as sales manager in loan department . Actually I have 6 year experience .So i want job with kotak bank Less

I know that about sales


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Credit decision making

5 Answers



Good company

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Describe securitization in brief

4 Answers

The process of selling your asset pool to a buyer by structuring it as securities. Less

securitization means that company sell his asset portfolio to other company is known as securitization Less

prevents unauthorized access. Guarantee for returns.

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First PREMIER Bank and PREMIER Bankcard

Sell me this pen.? Past experience..

4 Answers


Good afternoon my name Is Debbie how are you doing today? May I ask your name ? Hello Jane, I see you were just recently using a pen to sign a paper and I want to share something with you I have something I want you to try out and see if you like it it's a pen that won't get in collar your hands at while stop writing it's fabulous and I just want you to try it can you try it and see what you think of it then isn't that a great pen and jute I think it's so smooth today I am I have these pens and I just wanna to let you try and see if your intrested in in this pen because I could I could get you this 10 and a really add a really good cost it would save you so much on all the other pens that you might buy would you like to buy this pen Less

Buy this

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If a company agrees to purchase a service from your company next year, how would you book the accounting transaction?

3 Answers

Debit cash or AR then credit Unearned Revenue as a liability.

You wouldn't record anything because a promise isn't worth anything unlease one side completes their side of the agreement. In this example if the company were to give you a payment for a service next year then then you would book it as an unearned revenue under liabilities while the customer records it as a prepaid expense under assets Less

Having taken 2 basic accounting classes as an undergrad 6 years prior to the interview, I didn't really remember how to answer this question correctly. I assume this is the reason the interview process stopped after the phone interview. Less

S&P Global

Market challenges and trends

3 Answers

Financial innovation

Hello bud, sorry to hear it does not get easy for you, hope it will work anyway.. What do you mean by "market challenges & trends ? Financial Innovation" Less

Hi….. i know how to overcome marketing challenges.

Goldman Sachs

what's the degree angle between the hour and minute hand at 3:15?

3 Answers

7.5 degrees is the right answer

Great question

5 degrees

Goldman Sachs

"Company A with a market cap of $25B announces a $5B stock buy-back program. How would the CDS on Company A react?"

3 Answers

Is this correct? A stock buyback with reduce cash and equity, which increase the leverage ratio. That would increase the CDS spread. Less

Yorkville seems right. Leverage goes up and there is less cash now. Higher risk of default leads to higher risk premium --> higher cds spread Less


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