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Credit Administration

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					CREDIT




1.Credit Marketing
  2.Credit Administration
    3.Credit Operations
CREDIT
1. CREDIT MARKETING
   Relationship Management.




   •   Relationship Managers arrange
       completion of pre – sanction
       formalities and got approval from the
       Competent Authorities
CREDIT
2. CREDIT AMINISTRATION



   •   After approval of credit lines, CAD
       arranges completion of post
       sanction formalities and perfection
       of securities
CREDIT
3. CREDIT OPERATIONS



   •   Perform day to day operations of the
       approval credit lines and facilitate
       availement of facilities by the clients
       as per terms and condition of the
       sanction.
CREDIT ADMINISTRATION
After Approval of Credit Lines, Approval CA
package is forwarded to CAD for legal
documentation:

    •   ORIGINAL LOAN APPLICATION FORM
    •   REQUEST LETTER
    •   PRUDENTIAL REGULATIONS CHECKLIST
    •   BORROWER’S BASIC FACT SHEET
    •   FINANCIAL STATEMENTS
    •   BASIC INFORMATION REPORT
    •   CREDIT MEMORANDUM
    •   CIB CHECKING
    •   CASH FLOW STATEMENTS
CREDIT ADMINISTRATION

FACILITY OFFER LETTER

  FOL is prepared to convey terms
  and conditions of facility being
  offered to the client.

  CLIENT accepts the terms and
  conditions
CREDIT ADMINISTRATION




•CAD prepares

  •Charge Documents
  •Legal Documents
CREDIT ADMINISTRATION


Charge Documents

 •   Letter of Arrangement
 •   Letter of Hypothecation
 •   Letter of Pledge
 •   Agreement For Financing
 •   Letter of Continuity
 •   Letter of Lien
 •   Letter of Installment
CREDIT ADMINISTRATION


•Legal Documents

  •   Mortgage Deed
  •   Memorandum of Deposit of Title
      Deeds
  •   Personal Guarantees
CREDIT ADMINISTRATION



Vetting of Documents by the
Legal Advisor.
CREDIT ADMINISTRATION



• Valuation of Properties
• Creation of Charges
• Collection of Periodical stock reports
• Inspection of Hypothecated / Pledged
  stocks
• Compliance of SBP Regulations
• Conduct of Audit – Internal & External

				
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