Commercial Banking Interview Questions
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- čas přidán 28. 06. 2024
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This video will help you prepare for a commercial banking interview. Whether you are applying for a credit analyst, commercial banking associate, or lending officer role, most commercial banking interviews follow a similar format. Start by understanding the group you are applying for. Then prepare for behavioral questions as most interviews focus on “fit” and your communication skills.
From a technical side, understand the basic credit terms, ratios to judge the performance and efficiency of a business, and know how to read the three financial statements. As always, practice is most important. Good luck!
We walk through 6 different commercial banking interview questions;
1) Why commercial banking?
2) Tell me about a past sales experience
3) Walk me through a $1 million credit proposal
4) What does it take to be a great commercial banker?
5) Name three important credit ratios?
6) How are the three financial statements linked?
If you have any other questions, please comment below. If you enjoyed the video and found it helpful, please like and subscribe to FinanceKid for more videos soon!
For those who may be interested in finance and investing, I suggest you check out my Seeking Alpha profile where I write about the market and different investment opportunities. I conduct a full analysis on companies and countries while also commenting on relevant news stories.
seekingalpha.com/author/robert...
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I can't believe how thorough this is. Incredible, 4 years of undergrad finance and nowhere near as thorough as this 24 minute video
I love how in depth you go for the different interview questions as well as telling us what to emphasize when answering. This was so helpful! Big fan!
This is just sooo wholesome. Thanks a lot,man! You got a subscriber.
A well structured, right to the point interview guide to "Commercial Banking", great job.
Fantastic content my guy. This is the only video like this that I've found.
I am a fresh graduate and trying to land an offer from a commercial bank. This is really helpful and really appreciate for your effort on putting all these valuable information together.
Hey, I am only halfway through this video and work at a large bank and this is awesome. Thank you for taking the time to make this. Update - the video got even better and more useful. THANK YOU!
As someone who is making the transition from consumer lending to commercial lending, I found this video priceless. Thank you for taking the time to put this together. I can't wait to view your other videos. I might just be your new biggest fan.
Thanks so much Mike. It takes a lot of work to put them together but when I hear such positive feedback, its all worth it! Good luck with your transition. Let me know if you have any other video ideas related to commercial banking.
"If you want to be a smartass" Loved that tip
I LOVE THIS....more videos like this please......thank you very much sir
I've watched a lot of these types of videos and this one is by FAR my favorite. Organized, great quality, and extremely relevant&concise information. Thank you!
Great to hear, check out my new videos on CB, lots more detail to share about my experiences over the years. Thanks for the support.
bro, you are a blessing.
Very helpful video! I am making the the transition from IB analyst to commercial banking analyst, this video is priceless! Thanks
Wow! This is very insightful! Thank you!
Very good video, touched on everything. Looking to get into commercial banking next year myself.
Awesome video. I'm a senior in college about to graduate with finance and economics degrees. Preparing for a final round interview with a regional bank and I think this will help a ton.
Awesome! Thanks much. If i crack my interview in this domain which am new to, i owe it to you. Hats off to your efforts in making in this video
What a great coverage of content. amazing! Thank you
Very informative Video! I have an interview this upcoming Monday for an Entry Level Commercial Banking Position. Hit the heart when you said "finance students forget about the accounting in their first year"...- Just subscribed to your channel. Great content.
Happy I was able to help. Hopefully your interview went well. Thanks for the support!
Excellent, great work!
This is AMAZING!!!!
This is amazing. Thank you so much!
No worries, good luck!
So freaking helpful this video reminds me of the slides in the lecture during collage....very theoretical but helpful for an interview wish me luck .If I could get ur ins that will be great lol still have some questions ..
Thank you so much for your video!!! It helped me land the role I am interested in... this video is so amazing, I want to cash app you for helping me land the role. I wanted and helped put me in a better financial situation... 🌹 Thank you so much!!! Can you add a video about CRM system, Manta, Hoover, D&B and First Research???
This video is amazing. I really want to get into commercial banking this year, and didn't know how to do research and prepare for the interview. This video is so helpful. Thank you so much for making this.
Thank you so much!
Great, great video
Thanks a lot
Hey, thanks a bunch! How were you able to locate these pieces of information?
saviour!
Absolute Godsend video thank you
Thank you, please check out the interview guide on the FinanceKid website for a more detailed walkthrough for your commercial banking interview prep!
What does it take to be a successful commercial banker? 14:00
RM to internal and external stakeholders.
understanding clients business. expert in structuring credit agreements (best covenant), credit skills, problem solving skills.
Name 3 important credit ratios and why? 15:10
this is a common question and we have 4 core categories:
liquidity ratios: turning assets to cash
leverage ratios: reliance on debt financing
profitability ratios: ability to generate profits
efficiency ratios: how company manages its assets
what type of credit ratios 15:50
so maybe provide one in each category.
liquidity: current ratio, quick ratio.
leverage: debt to equity, interest coverage ratio, debt to EBITDA (define the loan size, this is market confidence indicator)
profit: gross profit margin, ROA, ROE.
efficiency: projecting the NWC and DCF, such as DSO, DIH, inventory turns, DPO
20:25 How are 3 financial statement linked?
following the net income account. start with income statement, move to cash flow statement, then to balance sheet.
net income is in the retained earnings in the balance sheet.
Amazing video! Are the slides available anywhere for print?
Good video! You could also discuss loan work outs/restructuring roles within commercial lending in future videos.
This video is really valuable...so much information to have basic idea atleast for the sake of Interview..Thanks for this good work..
Thanks for watching! Check out the interview guide available on the FinanceKid website for more detailed commercial banking interview content.
thank you.
Thank you so much
the video is very well detailed and it explains how to answer most of the question. I was lucky to have a job interview with commercial banking despite not have similar background and experience. Can you tell more about the behavioural questions? I mean I have seen lots of people not having any job experience but they still manage to get into CB or IB. For fresh graduates how do we make ourselves outstanding while not having job experience.
Thank you for the kind words, I am glad it was helpful! The behavioral questions I refer to are basic ones found in any interview... strengths/weaknesses, working on a team, making a mistake and owning up to it, etc. Best thing to do is look up online common behavioral questions in finance, there are many sources online. Keep in mind the key skills of the role and determine what the interviewer would ask to find out if you have these skills.
The second question is the million dollar question in recruiting. How to stand out..... its mostly luck and the strength of your existing social, school, and personal networks. Fundamentally, focus on skills because over the long run, those are rewarded more. Good luck!
It’s quite funny how he knows those of us going into commercial banking likely got rejected by IB, I was hoping to enter JPM IB but was offer corporate client banking specialized industries , a hybrid role of IB and Commercial Corporate banking JPM created not too long ago, ehh ill take it
Always remember IB is not the only path to success, CB is an excellent career path and can be more rewarding for certain personalities. Good luck!
Thank you so much! this is a wonderful video. I am actually on my way to a commercial banking interview. This is very nice material!
How did it go? Did the material here help get the job?
how would you suggest attacking an internship in commercial banking (commercial credit more specifically)
Hey, in your opinion what is the quickest route to becoming a relationship manager?
1.) Getting a job as an assistant relationship manager and then becoming an RM
2.) Getting on a 2 year commercial banking graduate scheme, then securing an RM role at the end of the scheme
Sorry for the tough question lol
Great information 🇯🇲
Thanks for watching!
Great video! I have a case interview tomorrow, will let you know how it goes.
how did it go?
@@goodie006 didn't go well I think, that's why no response
You are a life safer!
Hi, thanks to your video, im wonderting commercial banking is the same as corporate finance analyste, or it is different, im confused.
It the bank sector,as a whole ,not one person can analyse correctly..like to surport with your banks finances..pals.
Is CB a better path than IB, for an experienced hire (military and consulting) and a family? From a work/life balance and career options perspective?
Generally speaking, yes. Work-life balance is leaps and bounds ahead 40-60 (maybe 70) hrs a week for Relationship Managers and comparable for underwriters…excluding the occasional fire drill. Comp and exit opps are far better on the i banking side, but in middle market and large corporate you can make VERY good money.
For the last question on how the three financial statements are linked, consider watching my other video to learn more and practice before your interview. I walk through how a $10 depreciation charge impacts all three financial statments. Click below to watch the video;
czcams.com/video/l0tN6zZPSLI/video.html
Hello everyone! Thank you for all the support over the last few years, after a short break I am back on the channel making new videos for commercial banking and M&A topics! I posted a new commercial banking interview video covering credit tests and the basics of calculating debt servicing and structuring loans, hopefully you find it helpful. See the link below to the new video.
czcams.com/video/IcP-LjbaOC4/video.html
Visit the link below for the comprehensive Commercial Banking Interview Prep Guide available on the FinanceKid Website. This 48-page guide covers all the common behavioral & technical questions with three credit case studies to help you fully prepare for your commercial banking interviews.
www.financekid.ca/products/commercial-banking-interview-guide
If you are looking to learn more about how much commercial bankers earn in salary and how sales bonuses work in the industry, I recently posted a new video covering this topic in depth. Check out the link below!
czcams.com/video/mFMl4zDMKao/video.html