[OR] [MBT] [E3] [CBS] [5] [DP] Loan and Credit Services

Sub-CBS Code

Name of Sub-CBS

Description of Sub-CBS

5.1

Retail Loan Origination and Assessment

Process for receiving and evaluating applications for personal loans, auto loans, and housing loans submitted by retail clients, including credit checks, income verification, and risk scoring.

5.2

Corporate and Commercial Credit Underwriting

Due diligence and evaluation of corporate borrowing requests involving financial analysis, collateral evaluation, business viability assessment, and risk rating reviews.

5.3

SME Financing and Credit Processing

Assessment and approval workflow specific to small and medium enterprises, including eligibility screening, financial performance review, and credit scoring tailored for SME risk profiles.

5.4

Credit Approval and Sanctioning

Formal approval and sanctioning process executed through delegated credit authorities and credit committees based on internal credit policies and risk tolerance thresholds.

5.5

Loan Documentation and Contract Execution

Drafting, reviewing, and executing loan contracts and collateral agreements, including legal compliance checks and notarization where required.

5.6

Collateral Management and Security Registration

Administration of collateral valuation, perfection of security interests, lien registration, and periodic reassessment of collateral adequacy.

5.7

Loan Disbursement and Account Setup

Processing and release of loan proceeds to approved borrowers alongside creation of loan accounts, repayment schedules, and disbursement records in core banking systems.

5.8

Loan Servicing and Customer Support

Ongoing servicing of loan accounts, including repayment processing, customer inquiries, billing statements, and loan restructuring support.

5.9

Credit Monitoring and Risk Review

Continuous assessment of borrower performance, credit exposure tracking, monitoring of financial covenants, and early warning signal identification to mitigate credit deterioration.

5.10

Collections and Delinquency Management

Structured recovery activities for overdue accounts, including collection outreach, repayment negotiation, restructuring programs, and escalation to legal recovery channels when necessary.

5.11

Regulatory Reporting and Compliance

Preparation and submission of reports to financial regulators concerning loan portfolios, credit exposures, capital adequacy requirements, and provisioning in accordance with prudential regulations.

5.12

Loan Portfolio Analytics and Strategy

Data-driven evaluation of the loan book performance, portfolio diversification, stress testing, and development of risk mitigation and credit growth strategies.