CREDIT APPRAISAL

PROCESS FRAMEWORK
CLIENT REQUIREMENTS AND
INFORMATION
WHAT THE CLIENT NEEDS? INFORMATION- KNOW
SCOUTING/ ABOUT THE COMPANY

MARKET SCOPING Ask the client

POTENTIAL CLIENTS Websites
Company Itself Credit Rating
Find Potential Clients (Subsidiary or Parent) Contacts
Annual Report
Key Personnel
Investor Presentation
Employees
Press Releases
MCA Website
Promoters

ANALYSIS
Company Profile
Proposal RISK MANAGEMENT
Financial Analysis
Security COMPLIANCE
Terms and Conditions
Conduct of Borrower PRODUCT OFFERING
Banking Arrangement of Borrower

DOCUMENTATION
APPROVAL
SIGNATURES

LIMIT SETUP
SANCTION
DISBURSEMENT

MONITORING AND REVIEW