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    Comments From Employees On Credit Policy and KYC and Credit Process

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    Gajendra Audichya
    Employees provided comments on improving the company's credit policy and know your customer processes. They recommended setting cutoff scores for credit reports, requiring filed visit reports and personal interviews for each proposal, hiring field investigation agencies, specifying income affidavit limits and document requirements, and establishing policies on loan-to-value ratios, no-income applicants, non-resident Indians, applicant age limits, and dealer registration.

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    Comments From Employees On Credit Policy and KYC and Credit Process

    Uploaded by

    Gajendra Audichya
    16 views1 page
    Employees provided comments on improving the company's credit policy and know your customer processes. They recommended setting cutoff scores for credit reports, requiring filed visit reports and personal interviews for each proposal, hiring field investigation agencies, specifying income affidavit limits and document requirements, and establishing policies on loan-to-value ratios, no-income applicants, non-resident Indians, applicant age limits, and dealer registration.

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    Employees provided comments on improving the company's credit policy and know your customer processes. They recommended setting cutoff scores for credit reports, requiring filed visit reports and personal interviews for each proposal, hiring field investigation agencies, specifying income affidavit limits and document requirements, and establishing policies on loan-to-value ratios, no-income applicants, non-resident Indians, applicant age limits, and dealer registration.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    16 views1 page

    Comments From Employees On Credit Policy and KYC and Credit Process

    Uploaded by

    Gajendra Audichya
    Employees provided comments on improving the company's credit policy and know your customer processes. They recommended setting cutoff scores for credit reports, requiring filed visit reports and personal interviews for each proposal, hiring field investigation agencies, specifying income affidavit limits and document requirements, and establishing policies on loan-to-value ratios, no-income applicants, non-resident Indians, applicant age limits, and dealer registration.

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    © All Rights Reserved
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    Comments from employees on Credit Policy and KYC and Credit Process

    1. CIBIL Report- Please Decide cut off score for CIBIL, Overdue level of customer, DPD etc.
    2. Filed Visit Report should be must for each Proposal and it should be signed by respective officer
    with independent reference Check.
    3. Personal Interview should be must for each Proposal.
    4. Please Hire FI agencies
    5. If Loan Disbursement cheque handover to other than borrower than authority letter should be
    must
    6. Please Decide Affidavit Income limit and required supporting documents.
    7. For LAP Proposal How Much LTV, Purpose of Loan with attached required documents.
    8. Please Provide list of documents require for No income proof profile and
    9. Reference details should be filled with address and Contact details.
    10. Policy for giving Loan to NRI or Person having employment outside india
    11. How much maximum age should be considered for Loan for applicant and if Age of applicant go
    beyond limit than how to decide applicant eligibility for proposal, it should be must to take co-
    applicant.
    12. Please Provide Policy for DSA registration norms.
    13.

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