credit methodalogy

SBC studies the customer business/enterprise in depth and draws out the assessment peculiarities of that trade. Trade wise cash flow assessment templates are prepared based on the features of that business. The income, ability, intention, business sustainability & credit behaviour are verified through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks. The data base of references is maintained trade wise & is updated regularly. The trades are continuously monitored & studied & the changes are incorporated in the credit assessment accordingly. The credit assessment gets additional strength from the collateral which is taken for all the facilities for moral suasion.