thecreditprocess銀行貸款程序-展示頁
2024-10-27 20:29本頁面
【正文】 ge payment history ? Account balances last update within 90 days ? Employment Credit Underwriting (cont.) Expense ? Business tax ? Child support, utilities or alimony supports ? Office rental ? Gasoline ? Others Credit Underwriting (cont.) ? After the loan is approved and draw down allowed, the loan should be continuously watched over. These include keeping track of borrowers’ pliance with credit terms, identifying early signs of irregularity, conducting periodic valuation of collateral and monitoring timely repayments. Credit Monitoring ? Credit workout should be covered in detail in the bank’s credit policy. Dealing with borrowers whose capacity to repay is in doubt or has bee impaired is the subject ? Problem loans develop with credit weaknesses or negligence ? The successful loan workout depends on early identification of credit weaknesses and adverse credit trends. Credit Workout (Problem Loans) ? Explore the characteristics of a successful workout program, and the five stages of problem loan resolution. ? Determine and evaluate the causes of problem loans ? Understand how to review resour
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