Borrower selection: (most important part of operational level)

* Asking for borrower need /demand

* Education, age, family , social connection & reference
* Nature of business -commercial, industrial, agricultural, corpor
ate, private, public,
proprietorship, partnership, co-operative, Govt., SME etc.
* Business address & location.
* New business link or existing with previous experience & perform
ance
* Documentary evidence regarding experience & performance
* Existing Bank details & reason for switching.
* Financial & sales position
* Sales area & target customer with product
* Competitors position
* Personal net-worth & security offered
* Nature of security-FDR,LAND ,Building etc
* Location & value of security
* Ownership of the security
* Check whether borrower demand is within the branch discretion o
r needed for RO/Head Office approval
* Discussion & primary approval from branch manager
* Satisfy yourself to proceed