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Stages of Credit Investigation and Selection of Borrower:

Stages of Credit Investigation:

Credit investigation and selection may be completed in the following three stages: One, collecting information; Two, assessing collected information; and three, preparing credit report forming an opinion. 

 

Collecting Information A lot of sources are there to collect information. Such as,

  1. Personal Interview
  2. Loan application
  3. Published Financial Statements, if any
  4. Physical verification and observation
  5. On line CIB
  6. Confidential report from other banks
  7. Registration records
  8. Information from credit rating agency
  9. Press reports regarding purchase, sale, pending cases or verdict of cases.
  10. Utility services bill payment
  11. Tax Authority
  12. Competitors

|

Assessing Collected Information   | It is a vital step in the process of credit investigation and preparation of credit report. Once the information is collected, it must be assessed from different dimensions. Such as

  1. Giving input to the Financial Spread Sheet(FSS) or other Software
  2. Conduct CRG analysis to determine the risk grade. CRG analysis includes the assessment of five types of risk. Such as Financial risk, Business or Industry Risk, Management Risk, Security Risk, Relationship risk
  3. Determine the status of the loan seeker considering 5 C’s, 5P’s. Five C’s include character, capacity, capital, and condition, collateral. Similarly, 5P’s include person, purpose, product, place, profit.
  4. Conduct SWOT analysis
  5. Review the technical, managerial, marketing and financial aspect
  6. Overview regulatory environment, impact on natural environment.

  |

Preparing Credit Report and forming Opinion:

Report is a media of communicating information. It may be formal or informal. In case of a formal report, it is required to follow certain standard format. Credit report is a summary of the information collected or obtained from observation and investigation. It is an example of a formal report. So it is required to follow a specified format. The format of credit report is usually designed by the concerned bank. So it may differ from bank to bank. Since the format differs from bank to bank, the information to be included in the credit report may also differ. Generally, a credit report should include all relevant information needed to form an opinion or to take credit decision. A contemporary credit report may include but not limited to the following: •    Name & Address

  • Nature of the Firm & Date of Establishment
  • Nature of Business
  • Investment in the Business
  • Subsidiary, if any
  • Net Sales
  • Annual Net Income
  • Market Reputation
  • Means of Finance
  • Particulars of Bank account
  • Particulars of Owners
  • Nature & Value of Securities
  • CRG Score, if applicable.
  • SWOT analysis summary
  • Technical soundness
  • Rating Information
  • Marketability of the products
  • Impact of the product on the society and its environment
  • Recommendation as to whether the loan should be granted or not.
  • Extracts from the credit policy.
  • Any other vital information that may affect the credit decision.

 

Selection of Borrower:

 
On the basis of recommendation made in the credit report, the responsible credit officer will re-assess the position of the borrower and may ask for further clarification from the person who has prepared the credit report. If the borrower seems to be prospective, he is finally selected for disbursing credit.

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