Credit Appraisal

Loan Origination & Appraisal Techniques Mathew Joseph Senior General Manager Housing knowledge Finance Corporation Limited - India confidential AUHF - 2007 AGM & Conference Program, Ghana - family 2007 Why do we appraise? Is a Selection pawn Quantifies Risk confidential Aids Decision Making Ensure Good persona business with excellent creditworthiness What is character reference Appraisal? ABILITY confidential INCLINATION OBJECTIVE SUBJECTIVE KNOWLEDGE EXPERIENCE What are we valuate? PERSON: Capacity - The ability to service the loan by financial resources/ income streams. Inclination - Willingness to pay. PROPERTY: To check documents for creation of security. To fit end use.

confidential Basis of Appraisal Security Based or honorment Capacity Based confidential Appraisal Process Involves Risks: Identification # Information Acquisition # support # Customer user interface Techniques Assessment # Identifying key risks # Identifying Mitigating mechanisms # Integration , insect bite of data along with culture gathered at the individualised interview confidential Appraisal Process Controls/ Risk Mitigants # Policy cerebrate # System related # Level/ Limit related Case Representation # conclusion of the appraisal process confidential Identification Information Acquisition Stage # Carefully knowing Application Form # Standard Document List # Credit Bureau Report # Customer Credit Verification Reports reenforcement # Standard Check-lists # Standard Approach to Scrutiny, Perusal Customer Interface Stage # Rapport Building # Probing Techniques confidential Assessment Involves Extensive rating of the following parameters 1] Current Financial Condition & Paying force # Income Source # Income Frequency # Income Consistency # Income Continuity 2] Inclination to repay # Family Background # Savings History # Repayment trend on other liabilities # End use of property # Authenticity of information &... If you want to get a full essay, order it on our website: Ordercustompaper.com

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