Preview Questions Retail Banker | Role Specific Skill

Question 1: How would you approach giving financial advice for a client seeking to invest in emerging markets?

Which action should you take?

Choose only one option

By advising the client to invest only in developed markets with lower risk

By recommending diversification into multiple high-risk assets without considering market volatility

By focusing solely on short-term market performance rather than long-term growth potential

By evaluating the country-specific risks, market conditions, and potential return on investment

Question 2: How do you assess the creditworthiness of a borrower with a fluctuating income?

Which action should you take?

Choose only one option

Recommend immediate loan denial due to income instability

Evaluate their current income only without considering past records

Focus on the value of their collateral only

Analyze their past repayment behavior and debt-to-income ratio

Question 3: In retail banking, which is the most important metric to track when recommending a mortgage product to clients?

Which action should you take?

Choose only one option

The client's total savings amount

The client's debt-to-income (DTI) ratio

The client's existing home equity

The client's age and retirement plans

Question 4: What approach best ensures first-contact resolution of customer queries?

Which action should you take?

Choose only one option

Empower staff with product knowledge

Transfer to higher management promptly

Delay resolution for follow-ups

Focus on branch-level escalations only

Question 5: Which metric is used to evaluate liquidity risk in retail banks?

Which action should you take?

Choose only one option

Net Interest Margin

Loan-to-Deposit Ratio

Current Ratio

Return on Equity

Question 6: What should a retail banker do if a loan applicant provides fraudulent documents during the loan processing stage?

Which action should you take?

Choose only one option

Approve the loan and suggest the applicant resubmit correct documentation later

Ignore the discrepancies and proceed with the loan approval without any action

Advise the borrower to make corrections and continue processing the loan

Immediately report the incident to the appropriate regulatory body and deny the application