ไม่สามารถเล่นวิดีโอนี้
ขออภัยในความไม่สะดวก
Lecture 93: What Questions to be asked from borrower before giving loan?
ฝัง
- เผยแพร่เมื่อ 5 ก.ย. 2024
- Before sanctioning loan to the borrower, During the credit visit at borrower's premises, there are some questions that need to be discussed and asked from the borrower by every bank. In this video, I have enlisted the main questions that every bank ask before sanctioning loan.
The whole part is divided into five parts consisting of:
1. Questions related to background of the borrower.
2. Questions related to business model of the borrower.
3. Questions related to Existing and proposed exposure of the borrower.
4. Questions related to collateral and net worth of the borrower.
5. Financial, banking and dedupe related queries resolution and factory visit.
5th Part is already explained in previous video and it varies from case to case basis. In this video, We have covered first four parts in detail.
The list of questions is recommendatory in nature and is not mandatory to be followed. The actual list shall depend upon the actual case to case study, amount of loan etc.
#caankushjain #ankushjain #workingcapitalmanagement #bankjobinterview #creditanalysis #creditmanager #riskanalysis #riskmanagement #loanapplication #loanofficer #loanapply #loan #financialanalysis #financialeducation #finance #bankingjobs #workingcapital #borrower #questionanswer #bankingquestions #creditanalyst #riskanalyst #creditunderwriting #loanpreapprovedofffer #loanprocess
________________________________________________________________________
उधारकर्ता को ऋण स्वीकृत करने से पहले, उधारकर्ता के परिसर में ऋण यात्रा के दौरान, कुछ ऐसे प्रश्न होते हैं जिन पर प्रत्येक बैंक द्वारा उधारकर्ता से चर्चा और पूछे जाने की आवश्यकता होती है। इस वीडियो में, मैंने उन मुख्य प्रश्नों को सूचीबद्ध किया है जो प्रत्येक बैंक ऋण स्वीकृत करने से पहले पूछते हैं।
पूरे भाग को पाँच भागों में विभाजित किया गया है:
1. उधारकर्ता की पृष्ठभूमि से संबंधित प्रश्न।
2. उधारकर्ता के व्यवसाय मॉडल से संबंधित प्रश्न।
3. उधारकर्ता के मौजूदा और प्रस्तावित एक्सपोजर से संबंधित प्रश्न।
4. उधारकर्ता के संपार्श्विक और निवल मूल्य से संबंधित प्रश्न।
5. वित्तीय, बैंकिंग और डिडुप संबंधित प्रश्नों के समाधान और कारखाने का दौरा।
5वें भाग को पिछले वीडियो में पहले ही समझाया जा चुका है और यह हर मामले के आधार पर भिन्न होता है। इस वीडियो में, हमने पहले चार भागों को विस्तार से कवर किया है।
प्रश्नों की सूची प्रकृति में अनुशंसात्मक है और इसका पालन करना अनिवार्य नहीं है। वास्तविक सूची वास्तविक केस टू केस स्टडी, ऋण की राशि आदि पर निर्भर करेगी।
______________________________________________________________________
udhaarakarta ko rn sveekrt karane se pahale, udhaarakarta ke parisar mein rn yaatra ke dauraan, kuchh aise prashn hote hain jin par pratyek baink dvaara udhaarakarta se charcha aur poochhe jaane kee aavashyakata hotee hai. is veediyo mein, mainne un mukhy prashnon ko soocheebaddh kiya hai jo pratyek baink rn sveekrt karane se pahale poochhate hain.
poore bhaag ko paanch bhaagon mein vibhaajit kiya gaya hai:
1. udhaarakarta kee prshthabhoomi se sambandhit prashn.
2. udhaarakarta ke vyavasaay modal se sambandhit prashn.
3. udhaarakarta ke maujooda aur prastaavit eksapojar se sambandhit prashn.
4. udhaarakarta ke sampaarshvik aur nival mooly se sambandhit prashn.
5. vitteey, bainking aur didup sambandhit prashnon ke samaadhaan aur kaarakhaane ka daura.
5ven bhaag ko pichhale veediyo mein pahale hee samajhaaya ja chuka hai aur yah har maamale ke aadhaar par bhinn hota hai. is veediyo mein, hamane pahale chaar bhaagon ko vistaar se kavar kiya hai.
prashnon kee soochee prakrti mein anushansaatmak hai aur isaka paalan karana anivaary nahin hai. vaastavik soochee vaastavik kes too kes stadee, rn kee raashi aadi par nirbhar karegee.
Sir really thankful to u for providing us so much of valuable knowledge really great sir
Your welcome 👍
Great piece of 👍🎉 Information for the field approach
Thank you
Effective. Eventually we follow the same
Yes right
Sir, ur videos are always fruitful
Thank you
Great job 👍
Thank you
Thank u sir for this wonderful knowledgeable video
Your welcome 👍
@@AnkushJain sir need your guidance ....
I was working in bank as cpa ......recently switched to nbfc but not satisfied with my job in 1 month....
Should I switch my job or can I get opportunity to work as credit manager..
Done mba finance in 2019
You should wait. Sometimes things are harder initially in new organisation but after few months it gets better
Nice information
Thank you
Thanks sir
Your welcome
Sir real estate finnancing par videos banaiye if possible
I have not done real estate financing as of yet. But will look into this topic
Sir home and vehicle loan retail me Kya documents le ispar bhi video bana dijiye
Ok after working capital, i will get into retail segment
@@AnkushJain yes Retail Asset department in details
👍
Sir to calculate creditors days ,creditor along with advance from customer if given in B/S will be taken??
No, advance from customers not to be included in creditor
Sir mein non metro city se belongs karta hu mujhe small retailer ki PD krni hoti hai max 40 lakh, sir business almost hota hai tailor ya grocery, footwear ya CSC shop etc to sir vha kya questions puche & end use mein kehta h customer ki business mein hi stock mein invest karna hai, sir kaise judgment kare
Will make a video on this
Cma data for construction sector
Ok noted
Sir do u have Hindi or English PDF about Credit Manager work profile
th-cam.com/video/BUvJ6iDqcGs/w-d-xo.html
Pl refer this link
You can also join my TH-cam membership @just Rs. 199 per month to have access to exclusive videos, live sessions, mentoring, exclusive members group for live chat over telegram and many more.
lnkd.in/dr3DxiG8
click on above link and proceed further
How to know in % that customer has used his CC limit.
You need to know the sanctioned limit or drawing power (whichever is less) for this calculation. Drawing power can be checked from stock statement and sanction amount from cibil or sanction letter. Then you check the day end balances and calculate simple average of the day end balance.
Then you divide the same with average sanction limit/drawing power and you get the average utilisation
@@AnkushJain average end balance = adding of each day end balance up to 30 days and divided by 30 and there is no matter of negative(Dr) balance in this ..
Please clear it with example..
Negative balances will automatically get adjusted in daily average. Hence its impact will get considered
@@AnkushJain end average calculation formula mene Jo likha hoon wo shi hai ??? Jaisa aap ne btaya
Yes end day balance calculation is right
Thanks sir
Your welcome