1. What do you understand by commercial banking?

2. Can you explain the difference between commercial and

retail banking?
3. Describe the typical financial products offered in
commercial banking.
4. How does credit analysis differ from risk analysis in
commercial banking?
5. What is the importance of the debt service coverage ratio
in commercial lending?
6. Explain the key components of a business loan agreement.
7. How would you approach a business looking for a
substantial loan but with a moderate risk profile?
8. What are the primary financial statements you would
review in commercial lending, and why?
9. Explain how interest rates affect commercial banking.
10. What is the impact of regulatory changes on commercial
banks?
11. How do you evaluate the financial health of a company?
12. Describe the role of asset-based lending in commercial
banking.
13. What are syndicated loans, and how do they work?
14. How does a bank determine the lending limit for a
business?
15. What is Basel III and its significance in banking?
16. How do banks mitigate risks in commercial lending?
17. Discuss the importance of liquidity management for a
commercial bank.
18. What role does commercial banking play in overall
economic development?
19. How would you handle a situation where a major
commercial client is moving towards bankruptcy?
20. Explain how derivative products can be useful in
commercial banking.
21. Describe the process of due diligence in commercial
lending.
22. How can a bank increase its market share in commercial
banking?
23. What do you see as the biggest challenge facing
commercial banks today?
24. How does a commercial bank assess the viability of
funding a start-up?
25. Explain the concept of relationship banking and its
importance.
26. What are the implications of non-performing assets for a
bank?
27. How do global economic trends affect commercial banking?
28. Discuss the impact of digital banking on commercial
banking services.
29. How would you approach a commercial client who is
looking to expand internationally?
30. What financial metrics would you use to monitor the
performance of commercial loans?
31. Describe the credit scoring model you are familiar with.
32. How do changes in monetary policy impact commercial
banking?
33. Discuss a successful financial model in commercial
lending.
34. How would you explain the concept of leverage to a client?
35. What strategies would you use to retain high-value
commercial clients?
36. Explain the importance of trade finance in commercial
banking.
37. What steps would you take to conduct a risk assessment
for a new commercial client?
38. How does commercial banking contribute to the
profitability of a bank like HSBC?
39. Discuss the role of technology in enhancing the efficiency
of commercial banking services.
40. How can a commercial bank effectively manage its
exposure to foreign exchange risk?
41. What do you think about the current trends in sustainable
finance within commercial banking?
42. Explain how you would assess a proposal for a new
commercial banking product.
43. What methods would you suggest for improving loan
recovery rates?
44. How do you keep updated with changes in banking
regulations and their implications?
45. Discuss a time when you analyzed a complex financial
statement. What were the challenges?
46. How would you manage a portfolio of diverse commercial
clients to maximize returns and minimize risks?
47. What role does client segmentation play in commercial
banking?
48. How would you evaluate the risk of lending to a new
technology startup?
49. Discuss the importance of customer relationship
management (CRM) systems in commercial banking.
50. Explain how you would conduct a market analysis for
launching a new bank branch in an unfamiliar region.
51. What are the most important factors in managing a
commercial bank’s balance sheet?
52. How would you handle a conflict of interest in a
commercial banking scenario?
53. What are the benefits of using blockchain technology in
commercial banking?
54. Describe the implications of a merger between two
commercial banks.
55. How do you interpret market signals to make lending
decisions?
56. What strategies would you recommend for cross-selling
financial products in commercial banking?
57. How can banks use data analytics to improve their
commercial lending decisions?
58. Discuss a scenario where you had to make a difficult
financial recommendation to a client.
59. What is the significance of the loan-to-value ratio in
commercial real estate?
60. How would you assess the creditworthiness of a business
without a long credit history?
61. Explain how interest rate swaps can be beneficial for
commercial clients.
62. What do you understand by financial covenants in a
commercial loan agreement?
63. How would you explain the benefits of a revolving credit
facility to a new commercial client?
64. Discuss how geopolitical events can impact commercial
banking activities.
65. What methods do you use to ensure compliance with both
local and international banking regulations?
66. How do you see artificial intelligence impacting
commercial banking in the next five years?
67. What steps would you take to develop a risk mitigation
strategy for a commercial banking portfolio?
68. How would you handle a loan request from a business in a
high-risk industry?
69. What are the key factors you consider when setting
interest rates for business loans?
70. Discuss the role of environmental, social, and governance
(ESG) criteria in commercial lending decisions.
71. Explain the process of securing a loan for a commercial
client with fluctuating revenues.
72. What role does customer feedback play in shaping the
services offered by commercial banks?
73. How would you evaluate the success of a newly
implemented commercial banking strategy?
74. What strategies would you use to enhance the digital
experience for commercial banking clients?
75. How would you approach restructuring a distressed
commercial loan?
76. Discuss the importance of maintaining a diverse loan
portfolio in commercial banking.
77. What are the challenges and opportunities of implementing
sustainable practices in commercial banking?
1. What do you know about HSBC’s current strategies in
commercial banking?
2. How can HSBC improve its services to better compete in
the commercial banking market?
3. Discuss how HSBC can use its global presence to its
advantage in commercial banking.
4. What initiatives has HSBC introduced recently in the realm
of commercial banking?
5. How does HSBC differentiate itself from other banks in
terms of customer service in commercial banking?
6. Discuss a recent HSBC business strategy that you believe
is effective.
7. How could HSBC leverage technology to enhance its
commercial banking services?
8. What strategies should HSBC adopt to deal with the
current economic conditions?
9. How can HSBC enhance its product offerings to cater to
small and medium-sized enterprises?
10. What role does innovation play in HSBC’s commercial
banking strategy?
1. Why are you interested in a career in commercial banking?
2. What motivates you to apply for this position at HSBC?
3. How do you keep yourself updated with developments in
the banking sector?
4. Describe your understanding of HSBC’s values and how
they align with your personal values.
5. How do you handle high-pressure situations?
6. Describe a time when you had to learn something new
quickly. How did you manage?
7. What are your long-term career aspirations?
8. How do you handle criticism?
9. What strengths do you bring to this role?
10. Give an example of how you have handled a demanding
client.
11. How do you prioritize your tasks in a fast-paced
environment?
12. Describe a project or situation where you took the initiative
to improve a process.
13. How do you balance team and individual responsibilities?
14. What do you think is the most challenging part of working
in commercial banking?
15. How would you describe your decision-making process?
16. Tell me about a time when you had to adapt to a
significant change at work.
17. What are the key skills that make you suitable for this role
in commercial banking?
18. Discuss a professional achievement that you are
particularly proud of.
19. How do you ensure compliance with ethical standards in
your work?
20. What has been the most challenging project you've
worked on, and what did you learn from it?
21. How do you manage stressful deadlines?
22. Tell me about a time when you had to go above and
beyond to get a job done.
23. How do you ensure the accuracy and reliability of your
work?