commercial banking Interview Questions

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CIBC
Associate Commercial Banking was asked...March 22, 2017

Should do you the deal? Why or why not?

4 Answers

how would we know. Is it the company's financials and from there you answer the questions? What is the format of the case study? Less

There will be a case with financials. Good understanding of ratios is critical. There will be qualitative questions about the case as well which you will not know how to fully answer. Be prepared to back up any claims you make. Less

whats the best way to prepare, what sort of ratios?

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Lloyds Banking Group

Putting the customer first is at the heart of what we do. How will you champion this in your role and ensure that others do the same?

3 Answers

Hi Peter, how did you find your Assessment Centre? I have one with Lloyds upcoming in the next few weeks and would greatly appreciate any insight/advice you would have in regards to the 1:1 interview and/or micro exercises/VR exercise? Thank you in advance for your time! Less

How long did it take you to hear back after the AC?

Hi my friends I hope I am not disturbing you! I apply for the Graduate Scheme and will have an AC with Lloyds in a week. I am quited confused with the 4 micro exercises and Virtual Reality exercise, could you please share me some experience in little more detail about these two parts? Thank you for your time! Less

Lloyds Banking Group

Name five key issues facing banking. Describe how these issues might be overcome or capitalised on.

2 Answers

Read the previously mentioned article

Loans , Fixed deposit , good Yearly turn over of bank , lockers

CIBC

Interview began with questions regarding my resume, so education and work experience. Then moved on to behavioural questions and had to provide specific examples of how I have reacted or would react in different scenarios or situations. Was asked the pretty typical questions like why do you want to work here, etc.

2 Answers

Hi, I am preparing for the interview. Would you be able to share about more what the case about and the type of questions asked? Less

Hi - thank you for sharing your experience. Would you mind specifying what time your interview was and when did HR reach out to you informing their decision? I also interviewed for the graduate CB program and have yet heard anything after. Thanks! Less

J.P. Morgan

Tell me what you learned about DCFs in class.

1 Answers

A valuation method used to estimate the attractiveness of an investment opportunity Uses future free cash flow projections and discounts them to arrive at a present value estimate If the value arrived at through DCF analysis is higher than the current cost of the investment, the opportunity may be a good one. Less

J.P. Morgan

Name some Credit Metrics.

1 Answers

Leverage — debt to equity, debt to capital, debt to EBITDA, interest coverage ratio (or fixed charge coverage ratio), and other variations of these ratios. Liquidity — working capital, current ratio, quick ratio, cash ratio. Less

J.P. Morgan

Name 5 C’s of Credit.

1 Answers

Character — company’s track record for repaying debt, their reputation. Appears on credit reports. Capacity — company’s ability to repay debt. Measured by comparing income and recurring debts and assessing their debt to income ratio. Capital — money loaner has potentially invested into the business. Large contributions can decrease change of default. Collateral — assets lender can own if loaner is incapable of paying debt, security for repayment Conditions — how the company plans to use the debt Less

J.P. Morgan

Tell me about a time where you disagreed with someone and how did you overcome that?

1 Answers

I made a crucial mistake of saying I mostly disagree with my manager.

J.P. Morgan

Tell me about yourself and your strengths

1 Answers

I told them about my experiences throughout school and past internships I’ve had and how they helped me to become who I am today. Less

J.P. Morgan

What makes you superior to the other candidates?

1 Answers

There were four other candidates interviewing at the same time.

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