Credit CAM Format

CREDIT APPRAISAL MEMORANDUM Name of the Applicant 20.VERIFICATION DETAIL Verification Type Result Residence verification Positive / Negative Reference check Debtors Positive / Negative Reference check Positive / Negative Creditors Independent/ Market Positive / Negative reference check Assets Verification Positive / Negative Price Verification Positive / Negative RM CAM Rating (Excellent, Good, Medium, poor) GUARANTOR DETAIL Name Address CIBIL score

1.

21. I.

Verification Type Machine supplier check Bankers reference check Dedupe

Result Positive / Negative Positive / Negative Positive / Negative

FCU check

Positive / Negative

Customer Meeting Auditor Verification

Positive / Negative Positive / Negative

Income from salary

Income from business

Detail of other firm if any

REFERENCE CHECK BY CREDIT ANALYST: Machine Supplier Name of Machine Supplier 1 Contact Person with contact details Detail of the Machine Transaction detail Market rate of the machine Other observation

Name of Machine Supplier 2 Contact Person with contact details Detail of the Machine Transaction detail Market rate of the machine Other observation

II.

Creditor Name of Creditor 1 Contact Person with contact details Number of years of relationship Nature of relationship Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

1

CREDIT APPRAISAL MEMORANDUM Name of the Applicant Volume and value of business payment terms General experience, outlook about the applicant Name of Creditor 2 Contact Person with contact details Number of years of relationship Nature of relationship Volume and value of business Payment terms General experience, outlook about the applicant

III. Customer Name of Customer 1 Contact Person with contact details Number of years of relationship Nature of relationship Volume and value of business Payment terms General experience, outlook about the applicant Name of Customer 2 Contact Person with contact details Number of years of relationship Nature of relationship Volume & value of business Payment terms General experience, outlook about the applicant IV. Bankers/ Term lenders Name of Banker / Financial Institutions Contact Person with contact details Number of years of relationship Nature of relationship

Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

2

CREDIT APPRAISAL MEMORANDUM Name of the Applicant Credit facility enjoyed – pick/ current Payment track record General experience, outlook about the applicant V.

Competitors/ Peers Name of Organization Contact Person with contact details Number of years of relationship Any business dealing General experience, outlook about the applicant

VI. Compliances & Legal: Compliances Income tax filing: Regular and timely

Yes / No

Remarks

Excise duty/ Service Tax filing: Regular and timely Sales tax filing: Regular and timely ESIC and EPF dues: Regular and timely Litigation/case against the Entity (check on internet) Litigation against the Promoters (check on internet) Any previous defaults (check on internet)

22.

CAT SHEET:

Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

3

CREDIT APPRAISAL MEMORANDUM Name of the Applicant Paste the CAT Sheet 23.

COLLATERAL DETAIL AGAINST CC FACILITY. Banker

24.

Limit (Lacs)

Collateral Detail

DETAILS OF LOANS Paste RTR Sheet

25.

COMMENTS ON FINANCIALS: 1 Total Tangible Net Worth: a) Capital b) Reserve c) Own unsecured Loan 2 Total outside Liabilities: a) Secured Term Loan: b) Unsecured Term Loan c) Working Capital Facilities d) Other Liabilities(Deferred Tax , ect): 3 Current Assets: a) Debtor b) Inventory c) Cash & Bank d) Other Current Assets (Loans & Adv/ Security etc.) 4 Current Liabilities a) Creditor b) Expenses Payable c) Other Current Liabilities. 5 Fixed Assets ( Land & building / Plant & machinery, Others) 6 Profit & Loss account a) Turnover ( Domestic, Export : b) Interest to FI/P.P c) Depreciation d) Expenses ( Major observation, if any) Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

4

CREDIT APPRAISAL MEMORANDUM Name of the Applicant 7 Banking : a) Bank Behavior (Limit detail) : b) Flow (Turnover realization): c) Track Record (Cheque bouncing %): 8 Ratio Analysis: a) Debt Income Ratio : b) Working Capital : c) Gross Profit Ratio d) Net Profit Ratio: e) TOL/TNW f) Debt / Equity

(Please also explain impact of ratio after proposed loan )

g) DSCR 9 Comments on Auditors report ( Only critical observation if any) 10 Comments on Tax Audit report ( Only critical observation if any) 11 Comments on ITR 26.

CORPORATE GUARANTOR (IF ANY) Paste the CAT of Corporate Guarantor & Give financial Comments as per above format

27.

28.

GROUP ANALYSIS Particular Capital Employed Own Unsecured Loan Total Debt Burden Turnover PAT as per Book Imputed Income EMI Burden TOL/TNW Debt / Equity Debt Income Ratio DSCR

Main Applicant

Corporate Guarantor

Group Total

VISIT REPORT BY CREDIT ANALYST Date / Day / Time Location

Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

5

CREDIT APPRAISAL MEMORANDUM Name of the Applicant Contract Person with Designation & Ph. Number. Visit conducted by Key Discussion and Observation Set up: Current Machinery: Stock Position: Man Power Seen: Investment in business: Actual Turnover (including Cash Business) Margin in Business Growth in Turnover after addition of upcoming Machine Comment about working Capital Decision Maker: Business Activity Seen: Future plan of the company Observation of Credit Analyst

End Usage of funds as discussed with Client 29.

OBSERVATION ON PROPOSAL BY CREDIT ANALYST Growth History: Profitability: Banking Observation CIBIL Observation External Rating: Industry Outlook Financial Observation Assets being Financed( Standard / Nonstandard): Comments on existing Exposure / PDD / Cumulative exposure

30.

RISK INVOLVE IN PROPOSAL & MITIGATES: Risk Financial

Name of RM & Credit Analyst & Date

Mitigate

TimesNew Roman 12Page

6

CREDIT APPRAISAL MEMORANDUM Name of the Applicant

Non Financial

31.

DEVIATION MATRIX Deviation Detail Paste From CAT Sheet

32.

BRANCH CREDIT ANALYST RECOMMENDATION Recommendation

Name 33.

H.O. CREDIT ANALYST OBSERVATION & RECOMMENDATION Recommendation

Sanction Condition Name

Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

7

CREDIT APPRAISAL MEMORANDUM Name of the Applicant

34.

FINAL CREDIT COMMITTEE DECISION PARAMETER Final BC/EC/CC Decision Parameter Proposal Approved detail as per BC/EC/CC meeting is in Annexture1

Name

Approval Committee Designation

Status of CC quorum ( Complete/Incomplete) Proxy if any Name

Signature

Designation

Annexure 1

Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

8

CREDIT APPRAISAL MEMORANDUM Name of the Applicant Decision of BC/EC/CC

Name of RM & Credit Analyst & Date

TimesNew Roman 12Page

9

CREDIT APPRAISAL MEMORANDUM Name of the Applicant Name of Committee Name of Approval Committee Member

Name

Designation

Gross Amount

Product

Amount

Net Amount

Product

Amount

Machines being Purchased: A brief

ROI (Reducing) Management Fee Tenure Personal guarantees Corporate Guarantee (if Applicable) ROC Charges Hypothecation Detail PSL ( Yes/ No) Insurance Any other condition Authorised Person Name

Detail of assets

Designation

Name of RM & Credit Analyst & Date

Supplier

Amount

Signature

TimesNew Roman 12Page

10