How to answer this Behavioural interview question about Risk Mitigation for Mid-Level Lending Analyst?

Can you describe a time when your analysis prevented a high-risk loan from being approved?

Lending Analyst

Behavioural

Asked at

HSBC

Difficulty :

Hard

Explanation

This question evaluates your ability to identify risks and take proactive measures to protect the organization from financial loss. Recruiters are looking for specific examples that highlight your analytical skills, attention to detail, and decision-making ability. A strong answer will follow the STAR (Situation, Task, Action, Result) format and include measurable outcomes. Avoid vague examples or failing to demonstrate your role in the process.

Answer Example

During a loan evaluation, I noticed discrepancies in a business’s financial statements, including overstated revenue and inconsistent cash flow data. My task was to assess the risk and recommend a course of action. I conducted further analysis and uncovered that the business was experiencing declining market share, making it unlikely to meet repayment obligations. I recommended rejecting the loan, which saved the bank from a potential $500,000 default. This experience reinforced the importance of thorough due diligence in mitigating risk.

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