1.

Are the employees have the appropriate levels of training and experience on risk associated with
various types of loans.
2. What is the nature of credit mitigation measures taken by the firm (e.g. reliance on collateral,
guarantees etc.)? How effective are these measures?
3. Does the firm have high levels of credit exposures to a particular group of customers, industrial
sectors, regions and country?
4. Is the credit risk management decisions are centralized or decentralized in your bank?
5. What is the firms most significant liquidity risk.
6. The probability of defaulter is highest in which types of loans? (Personal loan , Car loan, House
loan, Education loan, Business Loan)
7. The rate of interest is different for different loan, is it have anything to do with defaulter or non
obligation of payment.