毕博上海银行咨询Final Deliverables SmBusLoanProcess.docVIP

HANVIT BANK SMALL BUSINESS COMMERCIAL LOAN APPROVAL PROCESS (Draft) 11/10/99 Prepared by KPMG, LLP TABLE OF CONTENTS CREDIT REVIEW AND LOAN APPROVAL FOR SMALL BUSINESS LOANS 3 Table 1 - Applicability of Retail Scorecard in Business Loan Decision by Total Loan Amounts 3 Table 2 - Credit Review Process 4 Table 3 - Applicability of Retail Scorecard in Business Loan Decision by Borrowing Entity 4 LOAN DECISION PROCESS 5 STEPS IN CREDIT REVIEW FOR SMALL BUSINESS LOANS 6 Limits, Pricing, Rating 9 Note Concerning Loan Applications Not Processed in CRMS 10 APPENDIX A- USE OF RETAIL SCORECARD VS FINANCIAL ANALYSIS IN COMMERCIAL LENDING 12 APPENDIX B- WHAT THE BANK SHOULD REVIEW 14 CREDIT REVIEW AND LOAN APPROVAL FOR SMALL BUSINESS LOANS For purposes of this document, Small Business Loans will be defined as those whose total amount is within the Branch Manager’s or Relationship Manager’s lending limit as defined in the Hanvit Bank credit and lending policy manuals. These loans may range from a few thousand Won to as much as 1.5 billion Won (approx. USD1.25 million) for a Class A Commercial Branch Manager. Because of this wide range of loan size, and the corresponding financial size of the businesses, it is difficult to outline a single set of process steps for all such loans. For smaller loans, a simplified procedure will be outlined. For larger loans which begin to approach the W1.5 billion limit, the full CRMS credit analysis should be completed. It is not valid to make an excuse that the borrower does not have accurate financial information which could be used to justify larger loans. While a very small loan could be made based on personal financial information of the business owner, larger loans require financial analysis and the borrower should be required to fill out Hanvit Bank financial statement forms, if no formal financial information is available. Table 1 - Applicability of Retail Scorecard in Business Loan Decision by Total Loan Amounts: Applicability of Re