POST SANCTION PROCESS :
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After the credit Line Proposal has been finally approved by the appropriate sanctioning authority in the Bank’s credit organization structure it enters the post sanction processing stage. At this stage the signed credit line proposals is returned to the branch / credit officers, following four further steps are to be taken by the branch manager before the borrower can use the credit lines that have been sanctioned to him. These steps are as follows :
Convey offer/ sanction letter to the borrower.
Branch credit officers perfect the security and charge documents considering the nature and the terms of facility and the securities and in accordance with the laws of the land. Head Office will provide guidance to branches from time to time in this regard. Where considered necessary advice of JBL’s panel lawyers should be obtained.
An account number is allocated to the new credit facility.
The account record is set up and borrower’s file is prepared.
When these four steps have been complied with, the post sanctioning process is completed and the borrower can draw on his account. From this point onwards the borrower’s account will be subject to the control procedures outlined later in this manual. The instruction in the next sections must be followed by all branch Managers. Moreover, in some areas, for example perfection of security, the instructions are of a general nature. Head Office will need to issue detailed instructions in these areas.
Conveying Offer To Borrower
The offer/ facility letter is sent out to the borrower whenever the Bank sanctions or renews a credit facility in his favour. The facility letter is prepared at the branch after the signed credit line Proposal has been returned to the branch Manager. The offer / facility letter must be signed by the branch Manager before it is sent to the borrower. The precise format of the offer/ facility letter is to be determined by the branch to confirm to legal requirements and will appear in the detailed Head Office instructions covering the completion procedures for security documents. However, the following requirements are common to all branches. Branch may also need to add special paragraphs in some cases.
(a) Borrower : Correct full name(s) of the borrower(s) with upto recorded address should be written.
(b) Subject : Brief but precise details of each advance may be given .
(c) Nature of facility : Facility as per bank’s account head to the incorporated.
(d) Amount : The amount of each credit facility would be provided.
(e) Disbursement : Disbursement instruction/schedule (essential for term lending) to be incorporated.
(f) Repayment : in the case of term loans the following terms and conditions must be included – the number of years over which repayments are to be spread – The amount of each repayment installment inclusive of interest – Frequency of (usually monthly) repayments –
The date of first repayment installment due (ii) In the case of overdrafts : – repayment on demand – review of the facility six months or a year from the date of the facility letter (iii) In the case of letters of Credit / letter of Guarantee or other facilities : – when due may be indicated. (g) Interest Rates : The letter must include the following terms and conditions relating to interest rate – The interest rate should be stated in the form x% p.a – Interest will always be calculated on daily outstanding balances and charged to the borrower monthly or quarterly or yearly as the case may be (Normally interest to be charged on calendar quarterly basis). – A statement must be included in the interest section of the offer/ facility letter to safe guard the Bank’s right to revise the rate at bank’s discretion from time to time. (h) Fees : Negotiation fee, Management fees, commitment fees and other fees may be charged to the borrower and to be incorporated as per terms of sanction (i) Security : A full and accurate listing of all security to be charged to the bank must be included in the offer / facility letter (j) Expiry : Facility expiration date to be incorporated (k) Special conditions : Also a general statement should be included to inform the borrower that all clauses, terms, conditions, covenants etc. of the Bank’s standard charge forms apply to him unless expressly modified or varied by reference in the offer/ facility letter to numbered clauses or paragraphs in the charge forms. Special clauses may have to be included in some offer/ facility letters to protect the Bank in cases where there are legal complexities relating to certain types of security, particularly property.
Appendix:
- At the sole discretion of JBL, the above mentioned facilities will be available to the company upon satisfactory completion of all documentation formalities and fulfillment of the terms and conditions mentioned above.
- The above facilities are available at the discretion of Jamuna Bank Limited and are subject to repayment (full settlement of outstanding amount) on demand.
- In consideration of Jamuna Bank Limited granting the above facilities, you must undertake not to decrease or otherwise change the value or status of the security which have been provided to Jamuna Bank Limited.
- Interest shall accure on the facilities granted, even through the account or accounts in your name/ your company’s name are closed, become dormant, or are subject to litigation, until full settlement of all liabilities with Jamuna Bank Limited.
- Any legal or other costs incurred by Jamuna Bank Limited in connection with these facilities will be for your account.
- No excess over drawing power/ limit shall be allowed.
- In the event arising of any excess over limit in your/ your company’s account the same must be paid off immediately to bring the outstanding within the sanctioned limit(s).
- The company shall not avail of any further finance from any other bank9s) or financial institution(s) without prior written consent from JBL.
- The financial statements / audited accounts must be submitted after close of the financial year for our internal review purpose.
- The company shall cause its all the assets to be insured with bank mortgage clause against all risks/ hazards with an insurance company acceptable to the bank and furnish original policy with money receipt to us.
- No other facility shall be availed from other Bank9s) without prior written permission of JBL.
- At the time of settlement of import documents, the full Taka equivalent of foreign currency at the prevailing rate of foreign exchange is to be paid to Jamuna Bank Limited.
- Interest shall accrue and shall be charged in the loan account during the moratorium period and which should be realised first from payment of initial installments.
- Any amount relating to procurement of aforesaid machinery including other investment beyond the sanctioned limit of Mid Term Loan shall be borne by you as equity contribution to the project.
- For any change in the Memorandum and Articles of the company as well as in the composition of the company you must obtain prior approval from JBL.
Note : Branch may add any other conditions in this area which is deemed fit as per terms of sanction.
Perfection of Security
This section provides a general framework within which Head Office Credit Division shall provide detailed instructions to its branches on the methods of perfection of security. These instructions will take account of the specific legal requirements in the country. Head Office will issue necessary instructions dealing with the completion of security conforming to the legal systems of the country. Head Office instructions must deal specifically with each category of security. The precise structure of the Head Office instructions will be for consideration by each branch. However, the instructions must provide detailed guidance to the branch manager about the completion of each form required to prove that the Bank has a legal title to the asset that are being offered by the borrower as security for the advance. These detailed procedures ust meet the following requirements.
- Describe each step that the branch manager and the lending officers must take to complete the security. The steps should be in the logical order of their completion,
- Explain how the various sub-sections or clauses in the forms should be completed.
- Alert the branch manager to any difficulties or areas where special care is needed in perfecting the security.
- Stipulate the monitoring procedures required to keep track of the value of security charged to the Bank.
The monitoring procedures for tracking the value of the Bank’s security require further elaboration. The periodicity of review depends on the nature of security. The guidelines to be observed by all branch Managers are as follows :
Liquid and near-liquid assets
i) Lien of funds : all advances which are secured by a lien on funds in a currency other than that of the advance, a monthly review may be undertaken to ensure that fluctuations in exchange rates do not erode the value of the security (it may be prudent to maintain a reasonable margin in such cases to absorb exchange rate fluctuations);
ii) Life insurance policies : a quarterly review must be undertaken to ensure that premiums are being paid regularly.
iii) Stocks, shares and bonds : although approved securities and government bonds do not carry any credit risks, their prices are subject to fluctuation with the movement in interest rates and the influence of the investment climate. The value of quoted stocks and shares and the extent of the variation in their market values will depend on the financial strength of the company, the general economic conditions, the industry in which the company operates, and many other factors; therefore the review of the value of securities needs to be done more thoroughly and frequently in order to ascertain drawing power there against all shares that exhibit extraordinary movement must be kept under constant surveillance; it may be prudent to retain higher margins when considering advances against securities listed in DSE/CSE.
Current Assets :
i) Hypothecation of stocks-in-trade depending on the nature of the assets, a review may be undertaken at least quarterly to ascertain not only the value, but the aging of the assets: sufficient margins on value declared may be retained at the very outset to protect against a ‘distress sale’ situation: the borrower may be asked to submit a monthly report and valuation of the assets which are charged to the Bank on the proforma prescribed by the bank;
ii) Pledge of goods: all goods pledged may be reviewed quarterly to ensure that the value does not fall below agreed amounts: a review of marketability of the stock may also be undertaken quarterly: again sufficient margins must exist as in the case of hypothecation and quarterly statement may be obtained to confirm the value of avail able stock.
Fixed Assets / real estates :
Where an advance is secured by real estate, before allowing the advance the property should always be valued by recognized and professionally qualified surveyors enlisted to the bank who may be instructed to carry out a structural survey and valuation; an annual review is normally sufficient, except where markets are experiencing falling real estate prices in which case a quarterly review is essential’ a reasonable margin on the price should be retained in accordance with local practice prevailed within the commercial banks. The limitation period for charge documents varies. Its is the responsibility of the branch Manager to study and understand the laws of the limitation on the subject and if necessary seek, guidance from bank’s legal advisor. In order to ensure that advances do not become “ time barred” the branch manager must ensure that the review of charge documents is carried out on half yearly basis. Where advances are secured by a charge on fixed/ floating assets, real estate or inventory, adequate insurance cover should be available with the Bank’s mortgage clause.
Setting up advances/ loan account After the offer / facility is conveyed or a sanction letter has been written and sent to the applicant, the branch manager must await three developments :
i) The acceptance of the terms and conditions from the borrower. In the case of offer/ facility letter, a copy signed by the borrower accepting the offer concluded a legal contract with the Bank.
ii) Obtaining charge documents/ security from the borrower duly signed by him. The branch Manager should ensure that all legal formalities with regard to creating a charge on security have been completed. If necessary, he should obtain a clearance from the bank’s Legal Department or the Panel Legal Advisors of XYZ that security has been completed and that the funds can now be disbursed to the borrower.
iii) In cases where JBL is taking over a credit facility from another Bank, the applicant must give JBL written authority to approach the other bank in order to obtain NOC, release of security and to take over the account. When steps (a) – (c) have been completed, the branch manager can allow the borrower to avail the credit line. If the borrower is new customer, an account opening form must be completed at the branch. If JBL is taking over the account from another bank, a banker’s payment (P.O / D.D./ Bangladesh Bank Cheque) will be sent by the branch Manager to the other bank to settle the outstanding. In the case of all new credit facilities, an authorized credit officer at the branch wills et up the borrower’s record. This limit is used to control the account.
Filling
An organized filling arrangement is essential to the functioning of an efficient support and control system. Each advance or credit line proposal should be meticulously documented and retained in separate hardbound folder. Also, there should be a standard size plastic sleeve or coat file cover to contain loose documents, charge documents, property documents and for parched legal papers etc in which we should not make punch-holes. In practice, more plastic sleeves or coat file cover may be used depending on the volume of documents to be specially taken care of.
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400 thoughts on “POST SANCTION PROCESS :”
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