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.
Youtube Video Link - https://youtu.be/AJsUYo2GqvE
Banks need to recover the money lent to the borrowers. In case the funds lend becomes npa; it hampers whole banking business and decrease profitability.
“Recovery” is defined as the process of regaining and saving something lost and “Management” is the process of planning, organizing and controlling activities to achieve the objectives of business efficiently.
Recovery Management is thus concerned with designing and implementing a collection of strategy to recover the debts without losing customers.
Recovery measures could be legal and non-legal :- Banks could adopt legal measures to recover loans by filing a suit in civil court or filing an application before the DRTs. Before taking legal actions banks generally give frequent reminders by calls, messages, mails and visit to borrower’s place which is considered as non-legal measures without intervention of court.
Major reasons behind defaults :- Lack of credit evaluation, Inadequacy of collateral security/ equitable mortgage against loan, Lack of follow up measures, Default due to natural calamities etc.
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The document provides an overview of project financing and Union Bank of India. It discusses how project financing is used to fund large infrastructure projects and is emerging as a preferred alternative to conventional financing. It also provides details on Union Bank of India such as its establishment, services offered, branches, technology initiatives and rankings. The document outlines the steps involved in project financing at Union Bank including conducting feasibility studies, assessing financial health, determining credit ratings, fixing interest rates and sanctioning and disbursing loans. Conducting in-depth feasibility studies of the technical, market and organizational aspects of a proposed project is a key part of the process.
The document provides information about personal loans, including:
- Personal loans are either secured (backed by collateral like a home) or unsecured. Secured loans typically have lower interest rates and more favorable terms.
- They can be used for a variety of purposes and are offered by banks, credit unions, and other financial institutions. Loan amounts typically range from $1,000 to $100,000 with repayment periods of 1-5 years.
- While convenient for meeting short-term needs, personal loans require repayment and interest charges, so borrowers must use them judiciously to avoid getting into deeper financial trouble. Proper planning and only borrowing what is needed can help personal loans be used safely and effectively
The webinar will provide enriching insights of Credit appraisal, why it is required and the advantages of the same. The key areas of elucidation will include banker's preference for credit appraisal, traditional method Vs current trends, understanding various business models. The discussion shall also include the role of Chartered Accountants in credit appraisal, the edge CA's have over others and also the added advantages it brings in to their professional practise.
Watch full video on YouTube -
https://youtu.be/f3VgVOgAUoE
Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy.
The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread.
This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA.
Thank You For Watching
Subscribe to DevTech Finance
The document provides an overview and background of Grameen Bank in Bangladesh. It discusses how Grameen Bank was founded by Muhammad Yunus in 1983 to provide microloans to the poor without requiring collateral. The bank loans money primarily to women and has over 8 million borrowers across Bangladesh. It has a very high repayment rate of over 97%. The document also outlines the objectives and methodology of a study analyzing borrower satisfaction with Grameen Bank's loan settlement procedures.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Brick and mortar branches remain an important delivery channel for banks, though their number is declining. Other prominent channels include ATMs, call centers, internet and mobile banking which allows services via apps, USSD, SMS and social media. Emerging channels are kiosks, micro ATMs which function similar to POS machines, Aadhaar-enabled payment systems (AEPS) and unified payment interface (UPI) which allow inter-bank fund transfers. Voice banking using IVR was not very successful. Wearable devices may also become a future channel. Traditional channels are evolving through automation, integration and addition of new services to meet customers' changing preferences in the digital age.
Youtube Video Link - https://youtu.be/AJsUYo2GqvE
Banks need to recover the money lent to the borrowers. In case the funds lend becomes npa; it hampers whole banking business and decrease profitability.
“Recovery” is defined as the process of regaining and saving something lost and “Management” is the process of planning, organizing and controlling activities to achieve the objectives of business efficiently.
Recovery Management is thus concerned with designing and implementing a collection of strategy to recover the debts without losing customers.
Recovery measures could be legal and non-legal :- Banks could adopt legal measures to recover loans by filing a suit in civil court or filing an application before the DRTs. Before taking legal actions banks generally give frequent reminders by calls, messages, mails and visit to borrower’s place which is considered as non-legal measures without intervention of court.
Major reasons behind defaults :- Lack of credit evaluation, Inadequacy of collateral security/ equitable mortgage against loan, Lack of follow up measures, Default due to natural calamities etc.
Thank You For Watching
Please Subscribe To DevTech Finance
The document provides an overview of project financing and Union Bank of India. It discusses how project financing is used to fund large infrastructure projects and is emerging as a preferred alternative to conventional financing. It also provides details on Union Bank of India such as its establishment, services offered, branches, technology initiatives and rankings. The document outlines the steps involved in project financing at Union Bank including conducting feasibility studies, assessing financial health, determining credit ratings, fixing interest rates and sanctioning and disbursing loans. Conducting in-depth feasibility studies of the technical, market and organizational aspects of a proposed project is a key part of the process.
The document provides information about personal loans, including:
- Personal loans are either secured (backed by collateral like a home) or unsecured. Secured loans typically have lower interest rates and more favorable terms.
- They can be used for a variety of purposes and are offered by banks, credit unions, and other financial institutions. Loan amounts typically range from $1,000 to $100,000 with repayment periods of 1-5 years.
- While convenient for meeting short-term needs, personal loans require repayment and interest charges, so borrowers must use them judiciously to avoid getting into deeper financial trouble. Proper planning and only borrowing what is needed can help personal loans be used safely and effectively
The webinar will provide enriching insights of Credit appraisal, why it is required and the advantages of the same. The key areas of elucidation will include banker's preference for credit appraisal, traditional method Vs current trends, understanding various business models. The discussion shall also include the role of Chartered Accountants in credit appraisal, the edge CA's have over others and also the added advantages it brings in to their professional practise.
Watch full video on YouTube -
https://youtu.be/f3VgVOgAUoE
Credit management is the process of granting credit , setting the term its granted on, recovering this credit when its due and ensuring compliance with company credit policy.
The difference in the rate of interest that a bank charges on the amount lent and the rate it pays to the depositors is technically called spread or interest rate spread.
This spread bank has to use to meet all its overheads and interest on deposit but also provide for NPA.
Thank You For Watching
Subscribe to DevTech Finance
The document provides an overview and background of Grameen Bank in Bangladesh. It discusses how Grameen Bank was founded by Muhammad Yunus in 1983 to provide microloans to the poor without requiring collateral. The bank loans money primarily to women and has over 8 million borrowers across Bangladesh. It has a very high repayment rate of over 97%. The document also outlines the objectives and methodology of a study analyzing borrower satisfaction with Grameen Bank's loan settlement procedures.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Brick and mortar branches remain an important delivery channel for banks, though their number is declining. Other prominent channels include ATMs, call centers, internet and mobile banking which allows services via apps, USSD, SMS and social media. Emerging channels are kiosks, micro ATMs which function similar to POS machines, Aadhaar-enabled payment systems (AEPS) and unified payment interface (UPI) which allow inter-bank fund transfers. Voice banking using IVR was not very successful. Wearable devices may also become a future channel. Traditional channels are evolving through automation, integration and addition of new services to meet customers' changing preferences in the digital age.
The document discusses various types of loans and advances provided by banks, as well as the principles of sound lending. It describes how banks earn profits by providing loans and advances to individuals, businesses, and industrialists. Some key points covered include:
- Banks provide secured and unsecured advances, with secured advances having a primary security/collateral pledged by the borrower, such as machinery.
- The main types of advances are loans, cash credits, overdrafts, and bills discounted. Loans can be short-term or long-term based on purpose.
- Banks employ various methods to charge security for loans, including lien, pledge, mortgage, assignment, and hypothecation of movable property.
The document discusses the different products and services offered by banks. It identifies the main categories as retail banking, trade finance, and treasury operations. It then provides details on specific retail banking services like deposits, loans, remittances, and bookkeeping. It also outlines electronic banking services like ATMs, online and mobile banking, and their benefits of increasing convenience and customer access while reducing costs. Finally, it lists the top 30 banks in the Philippines.
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
Retail banking provides banking services to individual customers through local branches. It offers savings and checking accounts, mortgages, loans, debit/credit cards. Retail banking started in 15th century Europe and expanded through branch networks in the 19th century. Today it is characterized by multiple products and distribution channels for different customer groups. In India, retail banking has grown over 35% in the last 5 years and offers potential in rural areas. It provides secure money management and access to accounts/services through various channels like ATMs, internet and mobile banking.
The document discusses credit risk management and outlines steps for managing a credit portfolio to minimize risk and optimize returns. It emphasizes formulating flexible credit policies, conducting target market planning and risk assessments, performing periodic reviews, and establishing a system to balance risk and revenue through various risk management objectives and capital adequacy requirements.
This document provides an overview of HDFC Bank's home loan program. It discusses HDFC Bank's profile, business philosophy, competitors in wholesale banking, retail banking, and treasury operations. It also provides details on types of home loans available, eligibility requirements, loan amounts, repayment terms, and tax benefits of home loans. The document aims to help customers understand HDFC Bank's home loan offerings and compare them to other banks.
The document discusses Know Your Customer (KYC) norms in India. It provides an overview of KYC, including what KYC is, its objectives, types of KYC like C-KYC and e-KYC, key requirements and criteria, documents required from customers, and risks of non-compliance. It also outlines the steps taken by the Reserve Bank of India to ensure proper implementation of KYC policies across banks and financial institutions in India.
This document provides information about using banking products for your benefit. It discusses credit cards, including their features, dos and don'ts, variants, and how to use them to your benefit. It also covers personal loans, their features, dos and don'ts, variants, and how to use them for your benefit. The document aims to educate people on different banking products and how to maximize savings and benefits while avoiding unnecessary expenses.
Indusind Bank offers commercial vehicle financing through loans for new and used commercial vehicles as well as refinancing. Eligibility requires a minimum age of 25, valid driving license with experience, residence stability, and good credit score. Documentation includes identity, residence, and experience proofs. The approval process involves application, KYC verification, credit check, and field visit. A survey of customers found 40% were highly satisfied, 20% satisfied, 30% averagely satisfied, and 10% dissatisfied with Indusind Bank's commercial vehicle financing facilities.
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
This presentation summarizes the credit management process of United Commercial Bank Limited (UCBL) in Bangladesh. It outlines UCBL's credit objectives of extending credit to income-generating activities. It then describes the general guidelines UCBL follows in approving different types of loans. The main body of the presentation details UCBL's 8-step credit approval process, from a customer submitting a credit application to disbursement of approved loans. It explains each step, including risk assessment, credit committee review, sanctioning and documentation. Finally, it briefly outlines UCBL's credit monitoring process after loan disbursement through reporting, reminders and potential legal actions.
This document discusses auto loans and proposes a mobile app solution to address problems faced by auto loan salespeople and customers. It begins by defining what a loan is and why customers may need one. It then explains what an auto loan is and how the repayment process works. It outlines options for obtaining auto loans and common loan terminology. It describes challenges faced by salespeople in managing customer data and finding new clients, as well as difficulties customers face in understanding loans. The proposed mobile app would help salespeople perform calculations, access customer information, and be notified of updates, while allowing customers to submit interest and request information. It would have separate guest and salesperson modes with different feature access.
The document provides details about the sales force structure of HDFC Bank Ltd. It discusses the bank's background and objectives of the study. It then outlines HDFC Bank's current sales force structure which includes three channels: direct sales, branch banking, and alternative delivery banking. Each channel has distinct roles and hierarchies. The summary analyzes some advantages like clear reporting relationships but also disadvantages such as lack of coordination between channels. It notes conflicts that can arise from the structure and recommends integrating systems and permitting data access across channels to address issues.
This document is a declaration by Arpan Bhowmick, a student at IMIS Bhubaneswar, regarding their summer internship project report on credit appraisal at Bank of India. Bhowmick declares that the report was solely prepared by them and does not reveal any critical bank information. They also acknowledge that all secondary source information is properly cited in the report.
This document provides an overview of universal banking in India. It discusses the history and evolution of universal banking in India, including the Khan Committee recommendations that paved the way for universal banking. Key events like the ICICI-ICICI Bank merger that created India's first universal bank are mentioned. The document also defines universal banking, discusses the various models, and covers the advantages and limitations of the universal banking system.
Credit appraisal at central bank of indiaMayank Tailor
The document provides an overview of the global and local banking sector scenarios. It discusses that the Indian banking system has remained resilient amidst the global economic crisis while continuing to provide growth. It highlights that stress tests show that Indian banks are resilient to credit, market and liquidity risks. The survey results indicate that most respondents view the performance and shape of the Indian banking industry positively and feel it compares well with other sectors of the Indian economy. They also expressed positive views about the growth potential of the banking industry in the coming years.
This document provides a final project report on credit risk management in banks. The report contains 12 chapters that discuss topics such as the importance of credit risk assessment, credit risk modeling, data collection, and model validation. The report finds that banks need sophisticated systems to quantify and manage credit risk across business lines. It evaluates traditional credit risk measurement approaches like expert systems and discusses the need for banks to have strong management information systems and analytical techniques to measure credit risk. The report aims to provide an accurate and comprehensive framework for estimating credit risk to help banks quantify capital needs to support risk-taking activities.
Home loans are secured loans offered by banks to purchase property, with the property acting as collateral. There are several types of home loans, including loans for purchasing, improving, extending, or converting a home. Home loans allow buyers to purchase a home and access equity in their home. The advantages include a sense of accomplishment, capital appreciation, potential tax benefits, and low interest rates. However, there are also disadvantages like high actual property costs, loss of housing allowances, long commitment periods, volatile interest rates, and lost investment opportunities.
Watch out full video on youtube-
https://youtu.be/zBUSzKnK9bw
Principles of Credit Lending
1. Safety
2. Liquidity
3.Spread
4. Security
5. Purpose
6. Profitability
7. Policy Validation
Thank You For Watching
Subscribe to DevTech Finance
If your company needs to submit a Loan Proposal Template Powerpoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/34jyOoP
Pitch Deck To Raise Funding From Subordinated Loan PowerPoint Presentation Sl...SlideTeam
It covers all the important concepts and has relevant templates which cater to your business needs. This complete deck has PPT slides on Pitch Deck To Raise Funding From Subordinated Loan PowerPoint Presentation Slides with well suited graphics and subject driven content. This deck consists of total of fourty two slides. All templates are completely editable for your convenience. You can change the colour, text and font size of these slides. You can add or delete the content as per your requirement. Get access to this professionally designed complete deck presentation by clicking the download button below. https://bit.ly/2PQIJKb
The document discusses various types of loans and advances provided by banks, as well as the principles of sound lending. It describes how banks earn profits by providing loans and advances to individuals, businesses, and industrialists. Some key points covered include:
- Banks provide secured and unsecured advances, with secured advances having a primary security/collateral pledged by the borrower, such as machinery.
- The main types of advances are loans, cash credits, overdrafts, and bills discounted. Loans can be short-term or long-term based on purpose.
- Banks employ various methods to charge security for loans, including lien, pledge, mortgage, assignment, and hypothecation of movable property.
The document discusses the different products and services offered by banks. It identifies the main categories as retail banking, trade finance, and treasury operations. It then provides details on specific retail banking services like deposits, loans, remittances, and bookkeeping. It also outlines electronic banking services like ATMs, online and mobile banking, and their benefits of increasing convenience and customer access while reducing costs. Finally, it lists the top 30 banks in the Philippines.
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
Retail banking provides banking services to individual customers through local branches. It offers savings and checking accounts, mortgages, loans, debit/credit cards. Retail banking started in 15th century Europe and expanded through branch networks in the 19th century. Today it is characterized by multiple products and distribution channels for different customer groups. In India, retail banking has grown over 35% in the last 5 years and offers potential in rural areas. It provides secure money management and access to accounts/services through various channels like ATMs, internet and mobile banking.
The document discusses credit risk management and outlines steps for managing a credit portfolio to minimize risk and optimize returns. It emphasizes formulating flexible credit policies, conducting target market planning and risk assessments, performing periodic reviews, and establishing a system to balance risk and revenue through various risk management objectives and capital adequacy requirements.
This document provides an overview of HDFC Bank's home loan program. It discusses HDFC Bank's profile, business philosophy, competitors in wholesale banking, retail banking, and treasury operations. It also provides details on types of home loans available, eligibility requirements, loan amounts, repayment terms, and tax benefits of home loans. The document aims to help customers understand HDFC Bank's home loan offerings and compare them to other banks.
The document discusses Know Your Customer (KYC) norms in India. It provides an overview of KYC, including what KYC is, its objectives, types of KYC like C-KYC and e-KYC, key requirements and criteria, documents required from customers, and risks of non-compliance. It also outlines the steps taken by the Reserve Bank of India to ensure proper implementation of KYC policies across banks and financial institutions in India.
This document provides information about using banking products for your benefit. It discusses credit cards, including their features, dos and don'ts, variants, and how to use them to your benefit. It also covers personal loans, their features, dos and don'ts, variants, and how to use them for your benefit. The document aims to educate people on different banking products and how to maximize savings and benefits while avoiding unnecessary expenses.
Indusind Bank offers commercial vehicle financing through loans for new and used commercial vehicles as well as refinancing. Eligibility requires a minimum age of 25, valid driving license with experience, residence stability, and good credit score. Documentation includes identity, residence, and experience proofs. The approval process involves application, KYC verification, credit check, and field visit. A survey of customers found 40% were highly satisfied, 20% satisfied, 30% averagely satisfied, and 10% dissatisfied with Indusind Bank's commercial vehicle financing facilities.
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
This presentation summarizes the credit management process of United Commercial Bank Limited (UCBL) in Bangladesh. It outlines UCBL's credit objectives of extending credit to income-generating activities. It then describes the general guidelines UCBL follows in approving different types of loans. The main body of the presentation details UCBL's 8-step credit approval process, from a customer submitting a credit application to disbursement of approved loans. It explains each step, including risk assessment, credit committee review, sanctioning and documentation. Finally, it briefly outlines UCBL's credit monitoring process after loan disbursement through reporting, reminders and potential legal actions.
This document discusses auto loans and proposes a mobile app solution to address problems faced by auto loan salespeople and customers. It begins by defining what a loan is and why customers may need one. It then explains what an auto loan is and how the repayment process works. It outlines options for obtaining auto loans and common loan terminology. It describes challenges faced by salespeople in managing customer data and finding new clients, as well as difficulties customers face in understanding loans. The proposed mobile app would help salespeople perform calculations, access customer information, and be notified of updates, while allowing customers to submit interest and request information. It would have separate guest and salesperson modes with different feature access.
The document provides details about the sales force structure of HDFC Bank Ltd. It discusses the bank's background and objectives of the study. It then outlines HDFC Bank's current sales force structure which includes three channels: direct sales, branch banking, and alternative delivery banking. Each channel has distinct roles and hierarchies. The summary analyzes some advantages like clear reporting relationships but also disadvantages such as lack of coordination between channels. It notes conflicts that can arise from the structure and recommends integrating systems and permitting data access across channels to address issues.
This document is a declaration by Arpan Bhowmick, a student at IMIS Bhubaneswar, regarding their summer internship project report on credit appraisal at Bank of India. Bhowmick declares that the report was solely prepared by them and does not reveal any critical bank information. They also acknowledge that all secondary source information is properly cited in the report.
This document provides an overview of universal banking in India. It discusses the history and evolution of universal banking in India, including the Khan Committee recommendations that paved the way for universal banking. Key events like the ICICI-ICICI Bank merger that created India's first universal bank are mentioned. The document also defines universal banking, discusses the various models, and covers the advantages and limitations of the universal banking system.
Credit appraisal at central bank of indiaMayank Tailor
The document provides an overview of the global and local banking sector scenarios. It discusses that the Indian banking system has remained resilient amidst the global economic crisis while continuing to provide growth. It highlights that stress tests show that Indian banks are resilient to credit, market and liquidity risks. The survey results indicate that most respondents view the performance and shape of the Indian banking industry positively and feel it compares well with other sectors of the Indian economy. They also expressed positive views about the growth potential of the banking industry in the coming years.
This document provides a final project report on credit risk management in banks. The report contains 12 chapters that discuss topics such as the importance of credit risk assessment, credit risk modeling, data collection, and model validation. The report finds that banks need sophisticated systems to quantify and manage credit risk across business lines. It evaluates traditional credit risk measurement approaches like expert systems and discusses the need for banks to have strong management information systems and analytical techniques to measure credit risk. The report aims to provide an accurate and comprehensive framework for estimating credit risk to help banks quantify capital needs to support risk-taking activities.
Home loans are secured loans offered by banks to purchase property, with the property acting as collateral. There are several types of home loans, including loans for purchasing, improving, extending, or converting a home. Home loans allow buyers to purchase a home and access equity in their home. The advantages include a sense of accomplishment, capital appreciation, potential tax benefits, and low interest rates. However, there are also disadvantages like high actual property costs, loss of housing allowances, long commitment periods, volatile interest rates, and lost investment opportunities.
Watch out full video on youtube-
https://youtu.be/zBUSzKnK9bw
Principles of Credit Lending
1. Safety
2. Liquidity
3.Spread
4. Security
5. Purpose
6. Profitability
7. Policy Validation
Thank You For Watching
Subscribe to DevTech Finance
If your company needs to submit a Loan Proposal Template Powerpoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/34jyOoP
Pitch Deck To Raise Funding From Subordinated Loan PowerPoint Presentation Sl...SlideTeam
It covers all the important concepts and has relevant templates which cater to your business needs. This complete deck has PPT slides on Pitch Deck To Raise Funding From Subordinated Loan PowerPoint Presentation Slides with well suited graphics and subject driven content. This deck consists of total of fourty two slides. All templates are completely editable for your convenience. You can change the colour, text and font size of these slides. You can add or delete the content as per your requirement. Get access to this professionally designed complete deck presentation by clicking the download button below. https://bit.ly/2PQIJKb
Managing the finance of a company is of utmost importance and should be at the top of a company’s priority list. A company cannot do without successfully managing its finances in a way that is advantageous to its overall health. Being a consultant or an accounting office, it is imperative for you to know how to create a well-structured commercial financial services proposal to support your business and services. This PPT slideshow will help you in pitching your services in front of your prospective clients with utmost efficiency and professionalism. Curated for users like you this template can be used to present detailed information about your services and offerings like overall financial management, budgeting, risk management, regulatory requirements, etc. The scope of this template is widespread containing various sections like cover letter, project context, and objectives, fee summary, about us our team, and many more. It also presents comprehensive data on project goals which include enterprise objectives defining, resources, plan formulation, and others with various subsections. This practical PPT design is a perfect fit for anybody who wants to attract his client’s attention and therefore earn the project of providing commercial financial services. We at SlideTeam have designed this template following the best practices in proposal optimization which has helped a majority of our users to close deals. Being highly professional and practical in approach this PowerPoint presentation will help you in guiding your client through a clear decision process that your services will prove very beneficial for them when it comes to handling their finances. It also helps you in showing how and why you are the best option when it comes to monitoring and optimizing their finances. Therefore, download this attractive Commercial Financial Services PowerPoint Presentation Slides to create your next proposal in minutes.
Pitch Deck To Raise Funding From Mezzanine Debt PowerPoint Presentation SlidesSlideTeam
This complete presentation has PPT slides on wide range of topics highlighting the core areas of your business needs. It has professionally designed templates with relevant visuals and subject driven content. This presentation deck has total of fourty one slides. Get access to the customizable templates. Our designers have created editable templates for your convenience. You can edit the colour, text and font size as per your need. You can add or delete the content if required. You are just a click to away to have this ready-made presentation. Click the download button now. https://bit.ly/3aqxL7G
Prospect Case Study Proposal PowerPoint Presentation SlidesSlideTeam
Formulate case studies that turn prospects into paying customers with the help of this professionally designed Prospect Case Study Proposal PPT template. Showcase expertise and experience relative to the types of problems that the client’s firm has. With an appealing case study proposal, develop partnerships more quickly with your prospects. A well-written case study is an informative tool that can help you convert your proposal into a contract. Incorporate an engaging, well-written case study to appeal to your funders with the help of this well-structured proposal PowerPoint template. Here we provide you with a general format that involves an introduction, identifying your clients’ problems and devising a solution that you can offer them. Include case studies in your proposal in order to prove you’re the best candidate for the job by showing your worth, building trust, and speaking directly to your reader. Incorporate this case study proposal template for convincing your audience with a compelling presentation. Demonstrate how your customers in the past have increased revenue, expanded awareness of their product or service or enhanced their profitability. With your proposal, share real-world stories that prove you’re facilitating growth for your clients. When you present your case studies to the client, they assess the quality of the case study. It is, therefore, essential to consider investing some money into having a professionally designed case study. Our designers at SlideTeam have created this template with well-researched content for your convenience. High-quality content and graphics will not only enhance the proposal but will have the needful impact on the audience. Download this readily available PPT template to write a convincing case study proposal.
Business Consulting Proposal PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Business Consulting Proposal PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/39WHbXn
The document summarizes the goals and progress of SunTrust Mortgage's Mortgage Transformation project. It discusses improving processes to better serve customers, becoming a top 5 mortgage originator by 2015, and aligning business goals with the transformation. Associates helped design new standardized processes and technology changes to streamline the loan process and improve customer experience.
Client Case Study Proposal PowerPoint Presentation SlidesSlideTeam
If your company needs to submit a Client Case Study Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/3bpx2DQ
If your company needs to submit a Consulting Proposal Template PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. https://bit.ly/2WEXsuA
If your company needs to submit a Accounting Proposal PowerPoint Presentation Slides look no further. Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2Sl2bAC
If your company needs to submit a Transformation Implementation Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2OKzWsR
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Communicating Loan Process To Customers Powerpoint Presentation Slides
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
This slide is 100% editable. Adapt it to your needs and capture your audience's attention.
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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capture your
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John Doe
Designation
Add
Image
Here
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capture your
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Charles
Designation
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Image
Here
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capture your
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Kenny
Designation
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Image
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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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
Add text here
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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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
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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to your needs and capture your
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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53. Comparison
53
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62%
Women
vs
Wage Level
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42%
Men
54. Financial
54
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$45
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$95
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$65
55. Location
55
Brazil
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North America
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Europe
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Russia
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Australia
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Africa
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56. Post it Notes
56
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Text Here
1
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2
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3
57. Timeline
57
1
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2018
2
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2019
3
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2020
4
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2021
58. Thank You
58
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Email Address
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