JP Morgan Commercial Banking (MMBSI)
Super Day Pre Questions with Complete
Solutions (Latest 2025)
How do you determine the creditworthiness of a company? -
Correct Answers ✅1. Assets: how much they're worth, how
liquid they are, how much you thunk you can get from them
2. Cash Flow: historical ability to generate cash flow (or net
income, EBIT, EBITDA) will be relied on, forecast to asses how
much dent they can service
*based on market conditions, financial statements, and
management team
What would you do if you were asked to analyze financial
statements? - Correct Answers ✅Put them into excel and
calculate various ratios: profitability, margin, growth,
leverage, and liquidity
Then, analyze the ratios and identify trends (within the last 3
years)
I would financial model and project to future years by
extrapolating the ratios
Important Credit Metrics - Correct Answers ✅Leverage:
debt to equity, debt to capital, debt to EBITDA, interest
coverage ratio, etc.
, JP Morgan Commercial Banking (MMBSI)
Super Day Pre Questions with Complete
Solutions (Latest 2025)
Liquidity: working capital, current ratio, cash ratio, etc.
Where do you think interest rates are headed-- what is the
impact on commercial banking? - Correct Answers
✅Interest rates are expected to decrease within the next
couple months to a year.
Target Fed Funds: 4.75-5.25%
Timing of coming rate cuts will be based on inflation and
other economic factors
Banks can borrow at a cheaper rate (improve their liquidity)
Bank will have lower interest rate margins
Increase loan demand (boost banks portfolio)
Income statement has positive revenues but a net loss. Why?
- Correct Answers ✅Marketing expenses
Decrease in prices
Super Day Pre Questions with Complete
Solutions (Latest 2025)
How do you determine the creditworthiness of a company? -
Correct Answers ✅1. Assets: how much they're worth, how
liquid they are, how much you thunk you can get from them
2. Cash Flow: historical ability to generate cash flow (or net
income, EBIT, EBITDA) will be relied on, forecast to asses how
much dent they can service
*based on market conditions, financial statements, and
management team
What would you do if you were asked to analyze financial
statements? - Correct Answers ✅Put them into excel and
calculate various ratios: profitability, margin, growth,
leverage, and liquidity
Then, analyze the ratios and identify trends (within the last 3
years)
I would financial model and project to future years by
extrapolating the ratios
Important Credit Metrics - Correct Answers ✅Leverage:
debt to equity, debt to capital, debt to EBITDA, interest
coverage ratio, etc.
, JP Morgan Commercial Banking (MMBSI)
Super Day Pre Questions with Complete
Solutions (Latest 2025)
Liquidity: working capital, current ratio, cash ratio, etc.
Where do you think interest rates are headed-- what is the
impact on commercial banking? - Correct Answers
✅Interest rates are expected to decrease within the next
couple months to a year.
Target Fed Funds: 4.75-5.25%
Timing of coming rate cuts will be based on inflation and
other economic factors
Banks can borrow at a cheaper rate (improve their liquidity)
Bank will have lower interest rate margins
Increase loan demand (boost banks portfolio)
Income statement has positive revenues but a net loss. Why?
- Correct Answers ✅Marketing expenses
Decrease in prices
