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  • Process Flow

    Uploaded by

    Vaibhav Khatri
    6 views4 pages
    The document outlines the process flow for loan approval from sales to disbursal. It includes the following key steps: 1) At sales, the salesperson approaches the customer, checks eligibility, generates documents, and collects application and verification documents. If approved, the file is transferred to lending operations. 2) At lending operations, the file undergoes data entry, document verification, third party checks, and preparation for credit initiation review. 3) The credit initiation team studies the file, may request additional documents, conducts verification calls and site visits, makes an approval decision, and issues a sanction letter if approved before transferring to loan processing for disbursal.

    Original Description:

    how processes flow at credit side

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    The document outlines the process flow for loan approval from sales to disbursal. It includes the following key steps: 1) At sales, the salesperson approaches the customer, checks eligibility, generates documents, and collects application and verification documents. If approved, the file is transferred to lending operations. 2) At lending operations, the file undergoes data entry, document verification, third party checks, and preparation for credit initiation review. 3) The credit initiation team studies the file, may request additional documents, conducts verification calls and site visits, makes an approval decision, and issues a sanction letter if approved before transferring to loan processing for disbursal.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    6 views4 pages

    Process Flow

    Uploaded by

    Vaibhav Khatri
    The document outlines the process flow for loan approval from sales to disbursal. It includes the following key steps: 1) At sales, the salesperson approaches the customer, checks eligibility, generates documents, and collects application and verification documents. If approved, the file is transferred to lending operations. 2) At lending operations, the file undergoes data entry, document verification, third party checks, and preparation for credit initiation review. 3) The credit initiation team studies the file, may request additional documents, conducts verification calls and site visits, makes an approval decision, and issues a sanction letter if approved before transferring to loan processing for disbursal.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 4

    For Loan

    Disbursal

    Sale
    s

    Credit
    Initiatio
    n

    Lending
    Ops
    Cat A docs
    incomplete

    Approaches the
    customer
    If customer
    interested &
    eligible(basis CET)
    App form
    Generate
    DEDUPE
    Generate CIBIL
    If both reports +ve
    trigger legal/valuation
    through third party,
    otherwise case
    dropped
    Collect CAT A docs
    (financials, banking
    etc.)
    If file complete
    transfer to Lending
    Ops, otherwise

    File
    Incomplete

    Data Entry on
    Excel
    RFES
    Register
    Checks CAT A docs as
    per policy
    TPV triggered for
    site/residence
    Provide file for FCU
    screening
    Prepares file for CI by
    generating docs like
    CET sheet, financials
    sheet (financial ratios),
    DEDUPE & CIBIL(if sales
    hv
    not
    prepared),
    Banking sheet to track
    EMIs, credit history
    Issue sanction letter
    Loan Disbursal to LPU

    YES
    Approv
    ed
    NO

    Acknowledge the file


    Study the file
    Route back to CO in
    case of any errors
    If OK, Perform Tele
    PD/Physical PD
    Give a list of Post PD
    docs to sales team

    Address
    all
    clarifications
    before
    coming
    to a
    decision
    Make a decision
    Record decision in
    the system & draft a
    mail
    to
    all
    the
    relevant stakeholders
    If approved, transfer
    the file to CO for loan

    To
    Customer

    Sale
    s
    Guy

    approaches

    If customer
    interested
    & eligible

    Cus
    tom
    er

    Case
    Droppe
    d

    If not

    Generate
    KYC
    CIBIL
    DEDUPE If not

    If reports
    +ve

    Trigger
    3rd party
    valuatio
    n

    Collect
    Cat-A
    docs

    Complet
    e the File

    Process flow at Sales

    Lendi
    ng
    Ops

    SALES

    File Transfer

    LOGIN
    DESK

    File Transfer

    Data Entry on Excel, RFES &


    register
    Verify Cat A docs
    If docs incomplete

    Trigger 3rd party verification


    Provide file for FCU screening

    PROCESSO
    R
    Preparing file for
    CI by adding
    relevant sheets
    like : CET
    DEDUPE &
    CIBIL Report
    Financials
    Banking

    Process flow of activities at Lending OPs

    File Transfer

    CI

    Approv
    ed
    Sanction
    Letter
    Issued

    To Loan
    Processin
    g Unit for
    Disbursal

    Transfer
    to CO
    for loan
    disburs
    al
    Perform PD
    Study the file

    Acknowled
    ge the file

    Route to CO, if
    errors

    If OK

    Address all
    queries
    Post PD docs to
    sales team if any

    YES
    Make a decision
    Record it in
    system

    Approve
    d

    NO
    To
    Custom
    er

    Process flow of activities on CI Floor

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