Credit proposal preparation by z ara
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Credit appraisal involves investigating a customer's financial condition and ability to repay a loan before providing financing. It assesses the commercial, financial, and technical feasibility of a proposed project. A credit proposal communicates the goal, objectives, and type of financing being requested, such as project financing. The credit approval process considers the type of borrower, source of cash flows, collateral, and amount/type of claim. A proposal can function as communication, a plan, and a contract.
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Credit monitoring
Credit monitoring is the ongoing supervision of a loan account to ensure the borrower continues to meet the terms of the loan sanction. It helps maintain asset quality and prevent slippage into NPA status. There are four stages of monitoring - pre-sanction, post-sanction pre-disbursement, during disbursement, and post-disbursement. Regular inspections, financial statement reviews, and verifying end-use of funds are some key monitoring activities. Early warning signs like delays in submission of documents or frequent requests for extensions should trigger corrective actions like discussions with the borrower to resolve issues impacting the business.
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The document discusses credit appraisal processes in the banking sector. It defines credit appraisal as an investigation done by banks to assess the commercial, financial, and technical viability of loans and projects. The credit appraisal process involves evaluating a customer's financial condition, repayment capacity, collateral, and other factors. Banks consider the 3Cs of credit - character, capacity, and collateral. The document then provides details about specific credit appraisal methods, ratios, and processes used by State Bank of India.
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Watch out full video on Youtube. Click on the link below-
https://youtu.be/48r3LhGRX_A
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.
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
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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
Thank you for Watching
Subscribe to DevTech Finance
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The document discusses credit appraisal processes in the banking sector. It defines credit appraisal as an investigation done by banks to assess the commercial, financial, and technical viability of loans and projects. The credit appraisal process involves evaluating a customer's financial condition, repayment capacity, collateral, and other factors. Banks consider the 3Cs of credit - character, capacity, and collateral. The document then provides details about specific credit appraisal methods, ratios, and processes used by State Bank of India.
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Credit Monitoring
Watch out full video on Youtube. Click on the link below-
https://youtu.be/48r3LhGRX_A
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.
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
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
Thank you for Watching
Subscribe to DevTech Finance
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This document provides an overview of the CAMELS rating system used to evaluate the overall health and risk profile of banks. CAMELS stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk. Each component is rated on a scale of 1 to 5, with 1 being the strongest. The ratings are used by regulators in the US, India, and other countries to monitor banks and determine which may require support.
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Letter of credit
Documentary Credit means any arrangement that is irrevocable and thereby constitutes a definite undertaking of the issuing bank to honour a complying presentation
http://accountsknowledgehub.blogspot.com/
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INTEREST RATE RISK MANAGEMENT IN BANKS
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- 2. Credit appraisal means an investigation/assessment done by the bank prior before providing any loans & advances/project finance & also checks the commercial, financial & technical feasibility of the project proposed. Proper evaluation of the customer is preferred which measures the financial condition & ability to repay back the loan in future Credit appraisal is the process of appraising the credit worthiness of the loan applicant
- 3. Credit Proposal Preparation “A proposal may function in at least 3 ways: as a means of communication, as a plan, and as a contract. • Goal & Objective • project finance • Object finance • Commodities finance • Finance of income-producing commercial real estate
- 6. Thus, four factors should be taken into account in the segmentation of credit approval processes: 1. type of borrower 2. source of cash flows 3. value and type of collateral 4. amount and type of claim
- 8. Background Management product Market Production Final performing Financial outline Banker Team lender Venture capital firm Mortg age lender
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- 10. • Business focus o a mission statement describing the purpose of your business • List of your specific products o what products your business will offer your customers o choose tangible products rather than services • Market analysis o target demographics – who will be interested in your product o market place – what other players are in your area of business • Expected cash flow o how much revenue will you generate o how much money will you spend o when will your business become profitable • List of partners o who’s going to work with you o what are their qualifications
- 11. Debt Equity Ratio Debt Service Coverage Ratio Concept Proportion of Debt fund of a company in relation to its equity Formula Long Term Debt Tangible Net worth Comments This ratio is an indicator of leverage of a company It measures a company’s ability to borrow and repay money Concept The amount of cash flow available to meet annual interest and principal payments Formula Net Operating Income Total Debt Service Comments DSCR less than 1 means negative cash flows MEASURES
- 14. Benefits Employees will be motivate. Communication will be improve. Technical issues will be solve. Better services. Productivity Brand
- 15. Questions ?