The essential consideration for evaluating loan request include the following except
· Refrence checks
· Credit analysis
· Financial statement and documentation
· Credibility of Mnagement
The following are the objectives of Lending and Credit administration except:
· Liquidity of the Bank
· Prompt repayment of loan
· Ensure Balanced Loan Portfolio
· Ineffective supervision of lending
The principal components of a loan agreement include the following except:
· Loan commitment
· Loan commitment greement Collateral security
· Convenant
· Only two of the Above
Major areas of bank policies on lending includes the following ________
· Loan Limit
· Loan Supervision
· Credit Risk Management
· All of the above
The principles of bank lending policies include the following except:
· Diversity
· liquidity
· Safety
· Honesty
……Repayment schedule
Consideration for addressing the creditworthiness of custormers seeking loan facilities include the following except:
· Ability
· Margin
· Purpose
· Profitability
Which of these is not a modality for lending and Credit Administration?
· Loan Budget
· Periodicity and loan grading system
· Evaluating credits worthiness
· Net worth individual
For effective Credit Analysis the Following consideration are required Except:
· Character
· Ability
· Capacity
· Cash inflows
The following can be used to monitor the account of custormers known for keeping large amounts of funds in their account except:
· Account turnover
· Trends of account balance
· Ammount of cheque drawn
· Intergrity of the customer
