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    Learning Scheme Credit

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    asifiba
    The document outlines a credit/loan learning scheme with three parts: client selection, the credit/loan lifecycle, and post-disbursement monitoring. It describes the credit/loan lifecycle process in detail, identifying the key stages from initial application through disbursement for different loan types. The stages are similar across loan types, with some approval and sanction steps handled at different departmental levels depending on loan size and type. The document also lists common documents required at each stage of the loan proposal and sanction/disbursement process to verify client and business details.

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    Learning Scheme Credit

    Uploaded by

    asifiba
    12 views2 pages
    The document outlines a credit/loan learning scheme with three parts: client selection, the credit/loan lifecycle, and post-disbursement monitoring. It describes the credit/loan lifecycle process in detail, identifying the key stages from initial application through disbursement for different loan types. The stages are similar across loan types, with some approval and sanction steps handled at different departmental levels depending on loan size and type. The document also lists common documents required at each stage of the loan proposal and sanction/disbursement process to verify client and business details.

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    Credit, Banking, Loan

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    The document outlines a credit/loan learning scheme with three parts: client selection, the credit/loan lifecycle, and post-disbursement monitoring. It describes the credit/loan lifecycle process in detail, identifying the key stages from initial application through disbursement for different loan types. The stages are similar across loan types, with some approval and sanction steps handled at different departmental levels depending on loan size and type. The document also lists common documents required at each stage of the loan proposal and sanction/disbursement process to verify client and business details.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as doc, pdf, or txt
    12 views2 pages

    Learning Scheme Credit

    Uploaded by

    asifiba
    The document outlines a credit/loan learning scheme with three parts: client selection, the credit/loan lifecycle, and post-disbursement monitoring. It describes the credit/loan lifecycle process in detail, identifying the key stages from initial application through disbursement for different loan types. The stages are similar across loan types, with some approval and sanction steps handled at different departmental levels depending on loan size and type. The document also lists common documents required at each stage of the loan proposal and sanction/disbursement process to verify client and business details.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
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    Download as doc, pdf, or txt
    of 2

    Credit /Advance /Loan Learning Scheme

    Client/Borrower Selection

    Try to get experience from credit officer and Mangers


    .Because its an art rather than specific parameter.

    Credit/Loan life cycle

    It have systematic approach with specific formats and


    specific departmental task .Try to learn branch part
    CHO part you will later learn while in rotation in various
    unit of CHO

    Monitoring & Post


    Disbursement

    you may concentrate less on this stage now

    B. Credit/Loan life cycle:


    Stage

    SOD

    Retail & Consumer Loan


    (personal Loan
    / Home Loan )

    Credit
    Card

    SME
    Loan

    Corporate /
    Whole Sale

    LC/IDBP

    Client Application
    Credit Proposal
    Credit Memo
    Approval
    Sanction
    Acceptance by
    client
    Loan A/C
    Opening
    Disbursement

    Please identify what document requires for each stage and what types of documents are
    being used for that purpose.
    E.g. : For SOD client will submit application to branch .Then Branch Credit Officer will
    prepare Credit Proposal & credit memo and Branch Manger will Approve and sanction the
    loan . Branch will disburse the loan. On the other hand f or retail loan Approval and sanction
    will be done in RFC.

    Loan related documents /Reports etc:


    1

    The credit proposals require various documents: Try to identify product wise document check
    list
    Documents required for loan Proposal
    Parameter /Objective
    Documents
    Identification of client
    National ID
    TIN
    Business Card
    Identification of client
    Trade License
    business
    Client business status
    Stock Register
    Business A/C turn over etc

    Loan Documentation ( For Sanction & Disbursement of Loan )


    Parameter /Objective
    Documents
    Charge Documents

    DP Note

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