The document outlines the complete credit proposal process for OCAS-Diganta. It involves several steps:
1) The ARO communicates with the customer, collects documents, verifies eligibility, and inputs data into the system.
2) The RM checks the proposal, verifies details, and forwards it to the BDM.
3) The BDM reviews major areas and forwards to the CRM officer.
If approved, the CRM authority executes the sanction advice and the branch disburses the loan. If declined, it can be appealed.
Original Description:
Original Title
process flow of loan proposal 07.08.19-process flow of Diganta proposal(1)
The document outlines the complete credit proposal process for OCAS-Diganta. It involves several steps:
1) The ARO communicates with the customer, collects documents, verifies eligibility, and inputs data into the system.
2) The RM checks the proposal, verifies details, and forwards it to the BDM.
3) The BDM reviews major areas and forwards to the CRM officer.
If approved, the CRM authority executes the sanction advice and the branch disburses the loan. If declined, it can be appealed.
The document outlines the complete credit proposal process for OCAS-Diganta. It involves several steps:
1) The ARO communicates with the customer, collects documents, verifies eligibility, and inputs data into the system.
2) The RM checks the proposal, verifies details, and forwards it to the BDM.
3) The BDM reviews major areas and forwards to the CRM officer.
If approved, the CRM authority executes the sanction advice and the branch disburses the loan. If declined, it can be appealed.
Complete Process flow for Credit Proposal on OCAS-Diganta
After completing all
ARO communicate with the ARO check eligibility of customer & RM will check the proposal and BDM will check the major areas of the documentations & verification, Customer customer & obtain all required check all documents, verify the complete the verification with his proposal and complete the verification & input ARO will input his needs fund for documents to start the process for authenticity then input data in the recommendation then forward the his final recommendation then forward the recommendation and forward the business loan proposal in the Diganta system with photographs of client's proposal to BDM through Diganta proposal to CRM Officer through Diganta proposal to the RM through System. business, home & guarantors etc. System System Diganta System
CRM officer will now check
system generated Sanction advice of the approved proposal and forward to CRM Approval In case of PPG exception Mr. Syed Atiqur Authority. CRM Officer will send the Rahman, AVP will proposal to Mr.Syed Approve/ Decline the Atiqur Rahman, AVP for exception and forward to exception approval CRM Approval Authority.
If all documents are in order,
If all documents are in Mr. Syed Atiqur Rahman, CRM Officer will receive If all documents are in order the CRM Officer will AVP finally approve/ decline the Proposal. Scrutinize order the CRM Approval forward to CRM Approval the Appeal request the proposal and complete Authority finally approve/ Authority with his credit assessment. decline the proposal recommendation
If all documents are not in
order the CRM Officer will send back to ARO for If all documents are not in complete all documentation. order the CRM Approval Authority will send back to CRM Approval Authority ARO then again forward the ARO for complete all receive the Appeal request proposal to CRM Officer. documentation. ARO then If the Branch and complete his further again forward the proposal to Don't agree with credit assessment then CRM Approval Authority this decision they forward to HOMSME & Agri can apply for Appeal request. CRM Approval Authority finally execute the Sanction Advice which will available on system BDM recommend for for Branch & CAD. Appeal with valid CRM Officer receive the justifications Appeal request and Branch will create a loan A/c complete his further credit & complete the disbursement assessment then forward to process. CRM Approval Authority
Branch download the
Sanction Advice from the CAD checks all security & system and complete the Note: other related documents security documentation for BDM= Branch Development Manager, and load the loan limit disbursement and send to RM= Relationship Manager, favoring the customer. CAD, CO (through MISDB) ARO= Assistant Relationship Officer. for limit loading.
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