This document provides information about a bank's loan process. It begins with educating clients about loan offerings and helping them complete applications. It then discusses evaluating borrowers' ability and willingness to repay loans. The rest of the document outlines the bank's loan application, processing, underwriting and closing process over 20-25 days. It also includes sections on the bank's overview, team, products, reasons to choose it, testimonials, mission and more.

1. C o m m u n i c a t i n g
LOAN PROCESS
t o C u s t o m e r s
Your Company Name

2. Agenda of Loan Process
2
Educate clients and potential customers about the company and its loan offerings
Communicate lending process to the customers and help them to fill their complete and
accurate application
Evaluate the borrower's ability and willingness to repay a loan
Add text here
Add text here
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3. Table of Contents
3
• Basic Factors of Credit
Risk Assessment
• Five Cs of Credit
• Credit Evaluation Process
• Credit Approval Process
Borrower’s Ability and
Willingness to Repay Loan
Business Financing
Application Checklist
• Pre-Qualification
• Mortgage programs
& rates
• The application
• Processing
• Required documents
• Credit report
› Basics
› Dashboard
• Appraisal basics
• Underwriting
• Closing
Loan Process
Competitive Landscape of
Business Loans
Features & Benefits of Loans
Types of Business
Loans Offered
• About Us
• Bank’s Mission, Vision
And Values
• Our Milestones
• Our Team Members
• Products &
Services Offered
• Why Choose Us?
• Client Testimonials
Company Overview
Need of Business Loan in
the Organization
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4. 4
Company Overview
• About Us
• Bank’s Mission, Vision and Values
• Our Milestones
• Our team members
• Products & Services Offered
• Why Choose Us?
• Client Testimonials
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5. About
Our
Bank
This slide provides an overview of our bank’s background which includes history, location etc. along with its operations and networks.
Type Public
Founded 1963
Headquarter Add text here
Industry Banking Financial Service
Products
Customer Banking, Corporate Banking, Finance and Insurance, Private Banking,
Credit Cards etc.
Net Revenue US $ 13.812 billion (2003)
Net Profit US $ 1.366 billion (2003)
Employees
79,978 (2003)
Website
Add text here
5
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6. Our Bank Team Members
6
The purpose of this slide is to provide a glimpse of the bank’s important people who will help to make the business successful.
Cress Albane
CIO and head of
marketing operations
Klarth Lester
CEO and driving force of
the creative solutions of
the company
Mint Adenade
Head of HR and
employee solutions
Arche Kliein
COO and overseer of the
clients’ financial
management operations
Suzu Fujibayashi
Head of R&D and
corporate research
Chester Burklight
CFO and one of
the best investors
in the world
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7. Product and Services Offered by Our Bank
7
The purpose of this slide is to provide a glimpse of the different products and services offered by our bank such as travelers cheque, cards, loans, investment, insurance, NRI banking,
deposits, business banking, personal banking, etc.
Travelers'
Cheque
NRI
Banking
Business
Banking
Personal
Banking
• Credit Cards
• Debit Cards
• Travel Cards
• Corporate Cards
• Prepaid Cards
• Business Cards
• Business Loan
• Home Loan
• Personal Loan
• Car Loan
• Two- Wheeler
Loan
Card Loan Investment Insurance Deposit
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8. Why Choose Our Bank? (1/2)
8
This slide provides the reasons why customers should choose our bank for different products and services since we are better service provider, offer low interest rate, easy
communication, etc.
Our bank can provide low interest rate as well as payment flexibility
Serving more than 1 million customers by continually monitoring the
market and customer’s requirements
Our team has received a recognition for excellence award in 2014
and 2017
Our Bank is a good service provider
Easy communication with customers by securing a website portal
wherein sensitive data can be transferred and documentation can be stored
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9. Why Choose Our Bank? (2/2)
This slide provides the reasons why customers should choose our bank for different products and services since we have many features such as approve loan within 24 hours, online
accessibility, collateral free loan, etc.
Collateral-free
loan processing
03
Loan of up to $5 Million
for various purposes
01
BANK
Approval within
24 hours only
02 Convenient Flexi
loan facility
04
Online access to
your loan account
05
9
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10. Client Testimonials 1/2
This slide provides the testimonials of some of our clients to share their reviews and stories with our new customers.
z
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John Doe
Designation
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Image
Here
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Charles
Designation
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Image
Here
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Kenny
Designation
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Here
10
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11. Client Testimonials 2/2
11
Add text here
Add text here
Add text here
TIM NICHOLS
Company Name
Founding Partner
MARK COLGAN
Company Name
Digital Marketing Manager
Add text here
Add text here
Add text here
This slide provides the testimonials of some of our clients to share their reviews and stories with our new customers.
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12. Bank’s Mission, Vision & Values
12
The purpose of this slide is to provide a glimpse of the bank’s mission, vision and values.
O U R
MISSION
To provide affordable and
accessible banking services
which are process centric,
technology enabled, and people
oriented resulting in reliable,
scalable and sustainable
institution facilitating
socioeconomic change
O U R
VALUES
• Integrity
• Quality of Service
• Transparency
• Fair Practices
• Add text here
• Add text here
O U R
VISION
To be the trusted financial
service provider to over
15 million customers by 2021
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13. Our Bank Milestones
The purpose of this slide is to provide a glimpse of the bank’s milestone covering bank’s different acquisition and mergers and other achievements of the bank.
1965 1971 1985 1998 2006 2009 2010 2011 2016
Provides foreign currency
loan to the companies
Bank entered
retail credit
Acquires
Bank Y
Merger of
Bank X
Add
text here
Add
text here
Opened first overseas
branch in country Z
Roll out of 27 branches
with 24*7 service across
20 locations
Add
text here
Start
Today
13
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14. 14
Need of Business Loan in
the Organization
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15. Need of Business Loan in the Organization
This slide covers the need of business loan in the organization to purchase real estate, equipment, inventory, increase working capital, etc.
Bank loans to purchase inventory for short-term.
Companies strategize and repaying them
To Purchase Inventory
Companies need to apply for a loan when they have
financial emergency
Immediate financial requirements To Purchase Equipment
Machinery and equipment are either bought by the
companies or are on lease. Bank can provide
intermediate loan to the companies which can be
repaid in monthly installments
Make financial arrangement for unforeseen expenses
Working capital is used to manage day-to-day business
operations. Banks can help companies to smoothly
operate their work and thus provide such loans
15
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16. 16
Types of Business Loans Offered
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17. Types of Business Loans
This slide covers the types of business loans offered by our bank such as SBA loan, business term loan, business line of credit, invoice factoring, merchant cash advance, equipment
financing, etc.
Type of Loan Advantages Disadvantages
Small Business Administration (SBA) Loans
• Lowest interest rates between 5% and 13%
• No long time in business to qualify
• Add text here
• Application process can take between 3 weeks and
several months
• Strong credit history required
Business Term Loan
• Can be used for any business purpose
• You can borrow larger amounts
• Add text here
• Many term loans carry early repayment charges
• Add text here
Business Line of Credit
• Flexible funding - available for emergencies
• Fast approval times
• Add text here
• High penalties for missed payments
• May need to provide collateral
Invoice Factoring
• Fast approval time of just a few hours
• Easy eligibility without minimum credit scores or trading
history
• Add text here
• Early repayment charges can be high
Merchant Cash Advance
• Fast approval times
• Suitable for businesses with poor credit scores and short
trading history
• Add text here
• Interest rates are very high
Equipment Financing
• Equipment serves as collateral for the loan
• Funding takes days to come through
• Add text here
• As equipment depreciates you could end up paying more
than it’s worth
17
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18. 18
Features & Benefits of Loans
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19. Features and Benefits of Loans
19
This slide covers the types of business loans offered by our bank such as SBA loan, business term loan, business line of credit, invoice factoring, merchant cash advance, equipment
financing, etc.
Financial Flexibility
Loans gives a certain
degree of financial
freedom as it equips the
company to make big
payments and take care
of one-time expenses
without affecting the
planned budget.
Easy Availability
Loans are approved
within 48 hours based
on details of income
financial history and
collateral status of
the borrower.
Convenient Tenure
Loans are generally
available for a tenure of
12 months to 60 months
or even more.
Get Required Amount
Based on your income
and financial history,
the amount for loan can
be provided.
Tax Benefits
Add text here
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20. 20
Competitive Landscape of
Business Loans
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21. Competitive Landscape of Business Loans (1/2)
This slide provides the features and benefits of business loans offered by our bank and different competitors in the market.
Highlights Our Company Competitor 1 Competitor 2 Competitor 3
Loan types
Term loans, lines of credit,
invoice financing
Fixed-rate term loans
Fixed-rate term loans, lines
of credit
Term loan or line of credit
Minimum years in business 6 months 2 years 1 year 6 months to 1 year
Minimum annual revenue $ 100,000 None $ 100,000 N/A
Loan amounts $ 5,000 to $ 5,000,000 $ 25,000 to $ 500,000 $ 5,000 to $ 500,000
$ 2,000 to $ 250,000;
$ 200 for new customers
BBB rating A+ A+ A+ A+
21
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22. Competitive Landscape of Business Loans (2/2)
22
This slide provides the details of business loans offered by our bank and different competitors in the market based on term of loan, interest and monthly installments.
Our Company Company A Company B
Term of Loan 36 months 60 Months 36 months
Fixed APR 12.43 % 14.09 % 16.5 %
Est.
Monthly Payment
$ 334.21 $ 233.15 $ 354.05
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23. 23
Loan Process
• Pre-Qualification
• Mortgage programs
and rates
• The application
• Processing
• Required documents
• Credit report
› Basics
› Dashboard
• Appraisal basics
• Underwriting
• Closing
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24. Loan Process Timeline
24
This slide covers the loan process timeline with the steps taken by our bank required to complete the loan formalities.
Mortgage Programs
and Rates
The
Application
Processing
Required
Documents
Credit
Reports
Appraisal
Basics
Underwriting
Appraisal
Basics
Add
text here
Pre-
qualification
1-3rd day 4-5th day 6-7th day 8-10th day 11-14th day 15-18th day 19th day 20-21st day 22nd day 23-24th day
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25. Pre-qualification for Business Loan
25
This slide covers the eligibility criteria that a business must meet to get a loan from bank. Here are some of the features which a bank will check to qualify the business for loan.
Credit Score
Business must have a minimum score of at least 650
to become a successful loan applicant.
Age Of Your Business
Business must be set up for minimum of 2 years, if
its less than one year then will be applicable for
startup loan.
Annual Revenue Annual revenues of $ 50,000 to $ 150,000.
Potential Collateral
Company need to identify an asset - equipment,
inventory or real estate
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Add text here
Add text here
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26. Mortgage Programs and Rates (1/2)
26
This graph describes the average monthly mortgage interest rates calculated for different time duration such as 30-year, 15-year, and 5/1 adjustable mortgage rate.
The average mortgage
interest rates are
3
3.5
4
4.5
5
12-18 1-19 2-19 3-19 4-19 5-19 6-19 7-19 8-19 9-19 10-19 11-19 12-19 1-20
30-Year Fixed 15-Year Fixed 5/1 ARM
Key Insights
• 30-year fixed rose
slightly (3.36%
to 3.65%)
• 15-year fixed same
(2.77% to 3.06%)
• 5/1 ARM dropped
(3.01% to 3.11%)
This graph/chart is linked to excel, and changes automatically based on data. Just left click on it and select “Edit Data”.

27. Mortgage Programs and Rates (2/2)
This table describes the average monthly mortgage interest rates calculated for different time duration such as 30-year, 15-year, and 5/1 adjustable mortgage rate.
Key Insights
The average mortgage
interest rates are
Weekly Rate Trends 30-year FIXED 15-year FIXED 5/1 ARM
3/19/2020 3.65% 3.06% 3.11%
3/12/2020 3.36% 2.77% 3.01%
3/5/2020 3.29% 2.79% 3.18%
2/27/2020 3.45% 2.95% 3.2%
2/20/2020 3.49% 2.99% 3.25%
2/13/2020 3.47% 2.97% 3.28%
2/6/2020 3.45% 2.97% 3.32%
1/30/2020 3.51% 3.0% 3.24%
1/23/2020 3.6% 3.09% 3.36%
1/16/2020 3.65% 3.09% 3.39%
1/9/2020 3.64% 3.07% 3.3%
• 30-year fixed rose
slightly (3.36% to
3.65%)
• 15-year fixed same
(2.77% to 3.06%)
• 5/1 ARM dropped
(3.01% to 3.11%)
27
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28. Details Required for Loan Application
28
This slide describes the complete application and documents required for the loan process such as full name and contact details of the owner as well as the business, company’s revenue, etc.
Funding amount needed
Ways in which loan will be used
Add text here
Add text here
Name and contact information of
the owner
Full business name, address,
phone number and email address
Business industry and the start
date of the business
The annual revenue of
the business
Personal bank account
information and income earned
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29. Application and Approval Processing
29
This slide covers the person who take care of the steps considered for loan application process such as customer, account officer, relationship manager, risk management team, etc.
Relation Ship Manager;
Zonal Head; Group Head
Steps required for processing
Customer
Account Officer
Risk Management
Approval
Executive Management, Management Credit Committee;
Board Credit Committee; Board
Loan Approval Initiation
First Level Review
Analysis and Review
Loan Application
Taken Care by…
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30. Required Documents for Business Loan
30
This slide describes the list of documents required to apply the business loan such as bank statement, revenues statement, balance sheets, business and personal tax returns, financial
details, credit reports, etc.
Bank Statements
Two years business’s bank
statements is needed to verify the
financial status of the company.
Revenue Statements
Recent year-to-date profit-and-loss
statements accompanied by
statements from the past two years.
Personal Financial Details
Full personal assets and liabilities,
including home, credit cards, loans,
cars and other investments.
Balance Sheets
List of the business assets, capital
and any liabilities.
Business And Personal Tax Returns
Personal tax returns as part of the
application, in case the business is
newly established.
Business Plan
A business plan to showcase the
company and team, which will
increase the overall credibility of
the business.
Insurance Or Collateral
Bank may ask the business to put an
asset as a security to pay off the
loan amount.
Personal Credit Score
Submit copies of the credit reports
from the three main reporting
agencies. A personal score of 600 or
lower could effect the application.
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31. Credit Score Basics Report
31
This slide describes the credit score of the companies along with their rating and impact on the loan application.
Credit Score Rating % of People Impact
300-579 Very Poor 16%
The applicants with this score are
not approved at all or might pay a
fee or deposit.
580-669 Fair 17%
Such applicants are considered
subprime borrowers
670-739 Good 21% Add text here
740-799 Very Good 25% Add text here
800-850 Exceptional 21% Add text here
16%
17%
21%
25%
21%
67%
of the
companies
have
good score
Very Poor
300-579
Fair
580-669
Good
670-739
Very Good
740-799
Exceptional
800-850
This graph/chart is linked to excel, and changes automatically based on data. Just left click on it and select “Edit Data”.

32. Credit Report Dashboard (1/2)
This slide provides a decision-making tool which a bank will use to anticipate the repay time for the loan.
This graph/chart is linked to excel, and changes automatically based on data. Just left click on it and select “Edit Data”.
74%
Account Mix
Total: $ 439,000
Credit Cards 20
Real Estate 05
Auto 03
Student 00
Other Loans 02
May 04, 2019
300
580
850
760
Excellent
Credit Factors
Credit Card Utilization
24%
Payment History
99%
Age of Credit History
6Y 7M
32

33. Credit Report Dashboard (2/2)
This slide provides a decision-making tool which a bank will use to anticipate the repay time for the loan.
Total Debt Balances $ 47,300
Monthly Payment $ 3,987
Debt to Income Ratio 58%
MY DEBT ANALYSIS Trending
View Details
As of 01.04.2020
MY CREDIT SCORE IS…
EXCELLENT
795
View Details
B F A B A
MY DEBT ANALYSIS
Payment History
You are currently making all your payments on time, but you have missed a payment in last
24 months
Total Accounts with Negative Marks 3
33
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34. Business Loan Credit Appraisal Areas
This slide describes the credit appraisal which helps the bank to find out the repayment capacity of the company and ensures the bank safety. Areas focusses on are market, management,
technical and financial appraisals.
Management Appraisal
• Appraisal for
management’s intentions,
knowledge, and dedication
towards the project
• Add text here
Technical Appraisal
• Depends upon the kind
of industry
• Add text here
Market Appraisal
• Financial Institution would
look for the gap between
demand and supply
• Add text here
Financial Appraisal
• Add text here
• This involves extensive
financial modeling in excel
34
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35. Business Loan Credit Appraisal Areas
35
This slide describes the credit appraisal which helps the bank to find out the repayment capacity of the company and ensures the bank safety. Areas focusses on are market, management,
technical and financial appraisals.
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• Financial Institution would
look for the gap between
demand and supply
• Add text here
01
Market Appraisal
• Appraisal for
management’s intentions,
knowledge, and dedication
towards the project
• Add text here
02
Management Appraisal
• Depends upon the kind
of industry
• Add text here
03
Technical Appraisal
• Add text here
• This involves extensive
financial modeling in excel
04
Financial Appraisal

36. Mortgage Underwriting Process Flowchart
36
This slide describes the mortgage underwriting process required to analyze loans, applicant credit worthiness, risk class, etc and the applicant must be approved or denied is decided here.
Company
Bank
Undertaking
Assign file
to Bank
Underwriter review the file,
Approve/ Deny, Adds/or Waives
conditions
Submit file to
Loan Prospector
Source the required Docs from the
Borrower & Submit File to Expert
mortgage assistance
START
File Suspended &
sent back to Bank
for 2nd level review
Add Conditions &
submit the file to
underwriter
Re-Run AUS,
Remove old AUS,
Duplicate docs
(client specific)
AUS
Approved
??
Review File
Update Encompass
Forms / Fields with
required information
Analyze Credit,
Income, Assets,
Property
Complete and upload
UW worksheets
Update UW
comments &income
calculations sheet
START
AUS- Automated Underwriting Systems
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37. Loan Closing and Disbursement Process
37
This slide describes the closing and disbursement process wherein the approved loan file is transferred to the closing and funding department.
BANK
If Approved, offer letter is
issued to communicate the
applicable terms.
If not, customer is also
informed formally
Customer accepts
the offer
Customer meets
conditions precedent
to disbursement
Loan Closing
&
Disbursement
The Bank disburse the loan
into the customer’s account
Customer use the
loan for the
intended purpose
Customer operates
the account
normally and meet
loan obligations as
and when due
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38. 38
Business Financing
Application Checklist
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39. Business Financing Application Checklist
39
This slide covers the checklist of financial application a business needs to take care of while applying for business loan such as credit score, age of business, industry type, funding
amount, etc.
Particulars Details
1. Industry type Manufacturing
2. Age of business 3 years
3. Personal credit score 704
4. Funding amount needed Add text here
5. Intended use of loan Add text here
6. Minimum annual revenue Add text here
7. Business bank statements Add text here
8. Revenue statements Add text here
9. Balance sheets Add text here
10. Business and personal tax return Add text here
11. Business plan Add text here
12. Business debt schedule Add text here
13. Revenue forecast Add text here
14. Collateral documentation Add text here
15. Payroll records Add text here
16. Particulars Details
17. Industry type Manufacturing
18. Age of business 3 years
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40. 40
Borrower’s Ability and Willingness
to Repay Loan
• Basic Factors of Credit Risk Assessment
• Five C’s of Credit
• Credit Evaluation Process
• Credit Approval Process
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41. Financial Factor
Human / Moral Factor
• Willingness to pay
Reputation
Integrity.
Add text here
Financial Factor
Performance Factor
• Earning capacity
• Ability to pay
• Profitability cash
• Add text here
Financial Factor
Financial Factor
• Asset base
• Proportionate stake
• Add text here
Economic and
Environment Factor
• Economic condition
• External Factors
• Add text here
Capital
Character Capacity Condition
Basic Factors of Credit Risk Assessment
41
This slide provides the important factors which are essential for credit risk assessment of the borrower along with the future performance evaluation.
Projected Cash Flow
• Operating inflow
• Debt servicing
• Add text here
Collaterals
(Security Factor)
• Quality / Condition
• Ownership / Value
• Add text here
Final Risk Assessment
and Pricing
• Loan terms and
conditions
• Add text here
Integrated Findings
• Strengths
• Weaknesses
• Opportunities
• Threats
• Add text here
Future Performance
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42. 5C’s
of
Credit
System
42
This slide provides the measure used by the lenders to evaluate the creditworthiness of potential borrowers such as character, conditions, collateral,
capital and capacity
Capacity
Assesses borrower’s
debt-to-income ratio
Capital
Lenders consider the
capital invested by
the borrower for a
potential investment,
this will indicate the
borrower's level of
seriousness
Collateral
A form of security
that guarantees
repayment
Character
Company will study
the credit history,
demonstrated
responsibility and
actions integrity of
the borrower
Conditions
The purpose and
detail of the loans
are focused here
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43. Credit Evaluation Process
43
This slide provides credit evaluation process which focuses on business environment, problem space and decision process required during the credit risk management.
Credit Risk Management
Problem Definition Decision Making
Business Environment
Add text here
Data / Information sources
Problem Space
Add text here
Decision Space
Add text here
Judgmental Approach
Problem Evaluation
Analytical Space
Systemic Approach
Knowledge
Models
Effect
Models
Statistical
Models
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44. Conceptual Credit Approval Process
44
This slide provides the timeline for credit approval process which covers sales, risk analysis, processing for the loan process performed by our company.
Risk Analysis Processing
Sales
Acquisition/
Credit-Specific
Customer Service
Collect and
Review Data
Credit Review Collateral And Risk
Assessment
Documentation Approval Implementation on
the credit decision
Establishing
Contact
Evaluate first
customer info
Customer
meeting
Add text here
Request
documents
Obtain
information
Add text here
Completeness/
possibility review
Review
documents
Follow up with loan
officer/ account
manager
Standardized
credit rating
Add text here
Inspect Object
Determine loan-
to-value
Evaluate Exposure
Add text here
Complete loan
application
Prepare credit
vote
Add text here
Add text here
Follow-up
Add text here
Add text here
Disbursement
Check compliance with
authority structure
Prepare contracts
Add text here
Disbursement
review
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45. What Do Banks Broadly Check?
45
Non Eligibility
Leads to Rejection
of Application
Eligibility will
Leads to
Loan Approval
Low Credit
Score Leads to
Loan Rejection
Applicant Fills a Loan
Application Form
Hands it Over to
the Bank
Bank Checks Your Cibil
Score and Report
High Cibil Score Lead to
Eligibility Check
Basis Documentation

46. How To Apply For A Loan?
46
Self-
Assessment
Analyse your
financial situation
Eligibility
Criteria
Check your
requirements for a loan
Loan
Application
You can apply for a loan
at a Bank or online

47. Processing Support Overview
47
NO YES
Are all the
docs
received?
Receive Docs from
LO/Lender
Loan Application Pre-Approval
Review Credit/Income/Asset
Docs & Purchase Agmt
Order Title/Appraisal/HOI
Prepare LE & Issue
Initial Disclosures
YES
NO
Are there
any red
flags/Discre
pancy?
Notify LO
Clear to
Close
UW
Approval
Prepare
Submission
Package & Submit
to UW Review
Clear UW
Conditions Order
VOE/VOR/Payoff

48. Icons Slide for Communicating Loan Process to customers
48

49. 49
Additional Slides

50. Our Mission
50
Vision
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audience's attention.
Mission
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audience's attention.
Goal
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audience's attention.

51. Our Team
51
Tyson Hinton
Designation
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to your needs and capture your
audience's attention.
Levi Joyce
Designation
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audience's attention.
Marcel Wooten
Designation
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audience's attention.

52. About Us
52
Target Audience
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audience's attention.
Premium Services
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audience's attention.
Values Client
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audience's attention.

53. Comparison
53
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your needs and capture your
audience's attention.
62%
Women
vs
Wage Level
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your needs and capture your
audience's attention.
42%
Men

54. Financial
54
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audience's attention.
$45
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needs and capture your
audience's attention.
$95
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needs and capture your
audience's attention.
$65

55. Location
55
Brazil
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it to your needs and capture your
audience's attention.
North America
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to your needs and capture your
audience's attention.
Europe
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to your needs and capture your
audience's attention.
Russia
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it to your needs and capture your
audience's attention.
Australia
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it to your needs and capture your
audience's attention.
Africa
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it to your needs and capture your
audience's attention.

56. Post it Notes
56
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needs and capture your
audience's attention.
Text Here
1
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editable. Adapt it to your
needs and capture your
audience's attention.
Text Here
2
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editable. Adapt it to your
needs and capture your
audience's attention.
Text Here
3

57. Timeline
57
1
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needs and capture your
audience's attention.
2018
2
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needs and capture your
audience's attention.
2019
3
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audience's attention.
2020
4
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needs and capture your
audience's attention.
2021

58. Thank You
58
Address
# street number, city, state
Contact Numbers
0123456789
Email Address
emailaddress123@gmail.com