Beruflich Dokumente
Kultur Dokumente
Bank Credit
60% of Assets side of Balance sheet Key contributor to Bank Profitability Bank credit management crucial to its existence and growth
Credit Appraisal
Application form/Supporting Documents Collateral securities Nature of Industry Promoters experience/past performance Projects Technical feasibility Market for products and projections Financial viability and funding Sanction terms and conditions
Credit Monitoring
Financial Follow up Physical follow up Legal recourse - Sarfaesi Act 2002 (Securitization and Reconstruction of Financial Assets and Enforcement of Securities Interest Act)
CREDIT POLICY
July 2011
Loan/Credit administration
Loan Sanction/Interest rates Documentation Maintenance of Records
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Credit Culture