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DEVTECH FINANCE
CREDIT MANAGEMENT MODULE
CREDIT
MONITORING
Credit Monitoring
Pre-
disbursement
Post-
disbursement
Onsite Offsite
INTRODUCTION TO CREDIT MONITORING
• Credit monitoring is the continuous process of reviewing and following
loan accounts, asset quality and credit reports to judge the accuracy
and standard of loan asset.
• Whenever loan is granted to customer, banker is required to ensure
that it remains a standard asset and does not turn out to be non-
performing asset.
Credit Monitoring
Pre-disbursement Post-disbursement
Onsite Offsite
PRE-DISBURSEMENT CARE
• Sanction letter shall be issued detailing various terms and conditions
on which the loan has been approved.
• Acknowledgement letter should be obtained from borrower stating
that he/she has well understood and noted the terms of sanction.
• Security documents along with acknowledgement letter should be
kept aside properly.
• Credit report should be reviewed periodically to ensure that there are
no adversity causing risk to loan recovery.
• Documentation should be done in proper format with all signatures
as a part of due diligence.
• End use verification to ensure legality of purpose.
POST-DISBURSEMENT CARE
• Post-disbursement monitoring involves both onsite monitoring (visiting the unit)
and offsite monitoring (scrutiny of records)
 OFFSITE MONITORING INVOLVES :-
• Study of Quarterly Information System, Monthly Select Operational Data, Cash
Budget and Financial Statements
• Stock Statement Verification
• Scrutiny of the register and bills
• Annual report containing director’s report, management discussion analysis,
auditor’s report and financial statements
• Comparison of actual financials with projected one on the basis of which loan
was sanctioned
POST-DISBURSEMENT CARE
• ONSITE MONITORING INVOLVES :-
• Physical verification of stock
• Check whether all machinery are working in good condition
• Checking of Register Books ( Sales register, Purchase register, Production
register, Stock register)
• Invoices and utility bills
• No. of skilled and unskilled workers in the unit
Preparation of Unit Inspection Report with all major observations
THANK YOU FOR WATCHING
DEVTECH
FINANCE

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Credit Monitoring

  • 1. DEVTECH FINANCE CREDIT MANAGEMENT MODULE CREDIT MONITORING Credit Monitoring Pre- disbursement Post- disbursement Onsite Offsite
  • 2. INTRODUCTION TO CREDIT MONITORING • Credit monitoring is the continuous process of reviewing and following loan accounts, asset quality and credit reports to judge the accuracy and standard of loan asset. • Whenever loan is granted to customer, banker is required to ensure that it remains a standard asset and does not turn out to be non- performing asset.
  • 4. PRE-DISBURSEMENT CARE • Sanction letter shall be issued detailing various terms and conditions on which the loan has been approved. • Acknowledgement letter should be obtained from borrower stating that he/she has well understood and noted the terms of sanction. • Security documents along with acknowledgement letter should be kept aside properly. • Credit report should be reviewed periodically to ensure that there are no adversity causing risk to loan recovery. • Documentation should be done in proper format with all signatures as a part of due diligence. • End use verification to ensure legality of purpose.
  • 5. POST-DISBURSEMENT CARE • Post-disbursement monitoring involves both onsite monitoring (visiting the unit) and offsite monitoring (scrutiny of records)  OFFSITE MONITORING INVOLVES :- • Study of Quarterly Information System, Monthly Select Operational Data, Cash Budget and Financial Statements • Stock Statement Verification • Scrutiny of the register and bills • Annual report containing director’s report, management discussion analysis, auditor’s report and financial statements • Comparison of actual financials with projected one on the basis of which loan was sanctioned
  • 6. POST-DISBURSEMENT CARE • ONSITE MONITORING INVOLVES :- • Physical verification of stock • Check whether all machinery are working in good condition • Checking of Register Books ( Sales register, Purchase register, Production register, Stock register) • Invoices and utility bills • No. of skilled and unskilled workers in the unit Preparation of Unit Inspection Report with all major observations
  • 7. THANK YOU FOR WATCHING DEVTECH FINANCE