credit appraisal

Every customer is different in many different ways and represents different levels of value. Besides, they all have different needs. Once the identification process is complete, differentiating them comes in hand and this will help a company to strategize and focus its efforts on gaining more advantage with the valuable customers. Thus, you can now tailor the company’s communication and service to each individual

In its efforts to maintain optimal customer service, it uses an innovative strategy to meet customer needs. The company’s

7. What are the important things the bank check upon a customers’ application for loan?

In a world where credit has become a fundamental aspect of progress, and the core principle of HDFC’s business proposition, the company realizes that remuneration alone will not provide the strength to improve living conditions of its internal customers, the staff. Therefore, as a responsible lending institution, HDFC provides a range of financial assistance to all permanent employees in accordance with special credit criteria developed for its staff. These include home loans, motor vehicle loans, personal loans and study

PROVIDE custom services such as in-store workshops and personalized promotions so that customers are retained to generate repeat purchases and make referrals.

The convenience that this division offer customers should give the organization a profitable and popularity boost, allow them to expand globally, and make the company a leader in innovation in its industry.

As a result, the company focuses on its target markets and effectively delivers on its value proposition to satisfy its customer’s needs, wants, and demands.

* Offer great customer service experience at great value, which will essentially attract more customers and help build on their goals of 2016

This measure involves more than simply collating a list of customers' names and contact details. A company must understand their customers to tailor the contact, buying preferences and

We are specialists in skillfully creating a specific way in which your customers will see you. We do this by building focal points, streamlining and progressing on the current

The bank also has high Loans to Finance Commercial Real Estate Ratio at 2.33 percent compare with its peers of 0.46 percent. This type of loan increases the bank risk from the fluctuation in real estate market which has cyclical nature.

Fair and correct application of appraisal rules 2. Consistency between appraised and market values. In the new QC model all submitted appraisals were reviewed to detect errors or inconsistencies that identify riskier appraisals. When anomalies were detected, appraisals were sent to the next control stage for a more thorough and sophisticated analysis. At the end of each stage, appraisals were scored based on the number and severity of the anomalies detected. The overall score allowed the lender to develop an appraiser-specific risk profile that was then aso leveraged to make grounded decisions about future appraisals submitted by the same appraiser. The system introduced relied on an enterprise document management solution (EDM) to further improve the efficiency of the QC process. By leveraging the EDM’s queue management functionalities the lender implemented a system that allowed QC managers to coordinate the workload balancing activities among multiple locations. Furthermore, providing QC analysts from different offices with the ability to access appraisal files helped the client improve the quality of the analysis by taking advantage of reviewers’ experience and/or specific geographical market knowledge. Key features of the new operating model: • Improving level of integration between QC and production activities. Screening activities were mostly automated by leveraging the existing loan origination system (LOS). The first level of

Gather information about its potential and current customers, this helps to understand the customer, improve their services and make more informed decisions hence reducing risk.

First, we will analyze the targeted customer and the proposition designed by each company to attract them. In this part, there is a description of each market target and how each company has taken advantage of each unique position in the industry.

A logical place to begin the analysis is with the appropriateness of the acquisition price. Are the asset values sufficient to support the loan? Is the buyer overpaying?