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MSME Shri Ram Finance
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24 views1 page

Cibil Format

Uploaded by

MSME Shri Ram Finance
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Proposed points by Director Recommended Action

To develop and implement policies and A clear policy/guideline of credit should be rolled
procedures that reduce credit risk for out for different segment aligning with the vision
organization. and pragmatics of the organization
Lead initiatives for development of A particular amount/portfolio should be fixed for
methodologies for measurement of Credit each sector depending upon the exposure and
Portfolio Management comfort of the credit committee and
management
Develop and enhance the Credit Reporting & Formation of subcommittee/regular morning
Monitoring framework which meets the meetings, assignment of monitoring task to a sub
requirements of various external & internal committee with fortnightly follow up. Cross
stakeholders. Quality analysis of proposal
Ensure timely and accurate delivery of Credit Individual targets/appreciation tool proper
Sanctions and to ensure productivity of analysis of the sanction and guidance from time
individuals in team. to time.
To assist risk and collection departments. Review Sub committees should be empowered for review
entire portfolio and collections randomly and of NPA/stressed accounts and guide field team.
implement necessary actions with finding All credit officers shall/must review files
actionable towards improvement sanctioned by them every quarter.
Ensure that sound credit risk measurement and Certain sectors/profiles should be marked as
monitoring frameworks are developed and caution and set of protocols should be mapped,
implemented throughout the organization in a and risk measurement should be done.
standardized manner.
Field visits for loan utilization check, NPA Sub committees should be enabled to organize
customer visits, credit policies awareness among branch visits/stressed customer visits with the
branches, Steps towards fraud prevention and permission of the management on half yearly
policies for quality portfolio building basis.

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