Loan Origination & Appraisal Techniques Mathew Joseph Senior General Manager Housing Development Finance Corporation Limited - India confidential AUHF - 2007 AGM & Conference Program‚ Ghana - September 2007 Why do we appraise? Is a Selection Tool Quantifies Risk confidential Aids Decision Making Ensure Good Quality business with excellent creditworthiness What is Credit Appraisal? ABILITY confidential INCLINATION OBJECTIVE SUBJECTIVE KNOWLEDGE EXPERIENCE
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ASSIGNMENT # 2 PERFORMANCE APPRAISAL Content Introduction........................................................................................................................3 Job description....................................................................................................................4 Performance appraisal method...........................................................................................5 Identification of appraiser....
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Credit Appraisal is the process by which a lender appraises the technical feasibility‚ economic viability and bankability including creditworthiness of the prospective borrower. Credit appraisal process of a customer lies in assessing if that customer is liable to repay the loan amount in the stipulated time‚ or not. Here bank has their own methodology to determine if a borrower is creditworthy or not. It is determined in terms of the norms and standards set by the banks. Being a very crucial step
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Questions about banking supervision in Viernam: 1. How effective does work an agreement between the State Bank of Vietnam and the Bank of Russia in the field of supervision? What are the pros you can announce while the implementation of this agreement for the development of your banking system‚ as well as for the Russian one? 2. Inspections of credit institutions are carried out in Russia to carry out the functions of banking regulation and supervision. In light of recent events in Russia‚ there
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EXECUTIVE SUMMARY INTRODUCTION Performance Appraisal is the process of identifying‚ measuring and developing human performance in organizations and tries to: ➢ Give feedback to employees to improve subsequent performance. ➢ Identify employee training needs. ➢ Document criteria used to allocate organizational rewards. ➢ Form a basis for personnel decisions-salary (merit) increases‚ disciplinary actions‚ etc. ➢ Provide the opportunity
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Common Appraisal Errors Error Contrast Effect Definition Tendency of a rater to evaluate people in comparison with other individuals rather than against the standards for the job Example Think of the most attractive person you know and rate this person on a scale of 1 to 10. Now think of your favorite glamorous movie star. Rerate your acquaintance. If you rated your friend lower the second time‚ contrast effect is at work. A new supervisor noticed an employee who was going through a divorce performing
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SHAH & ANCHOR KUTCHHI ENGINEERING COLLEGE DEPARTMENT OF MANAGEMENT STUDIES PROJECT SUBMITTED ON: 25/05/2013 PROJECT SUBMITTED BY: AKSHAYA.U.BHADALKAR ROLL NO: 1 COMPANY NAME: BANK OF INDIA PROJECT REPORT ON: CREDIT APPRAISALS 1 GENERAL INFORMATION ABOUT THE BANK Bank of India was founded on 7th September‚ 1906 by a group of eminent businessmen from Mumbai. The Bank was under private ownership and control till July 1969 when it was nationalised along with 13 other banks
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Supervision and Mentoring come into difference kinds of influence and shape in how they develop their own solution and build relationship by using their basic knowledge of cognitive style‚ cultural background‚ intelligence‚ personality‚ experience‚ and any developmental level when interacting with children and adults. Both the Supervisor and Mentor can be honest with any individual. Supervision is based on by a head supervisor or director‚ who is responsible for supervise‚ to manage and given task
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Probation and Parole are community corrections that involve supervision outside of incarceration. Probation is a sentence given by a probate judge who allows an inmate to remain in the community; however‚ there is a certain period of time that the defender is allowed on probation. As long as the person complies with the rules‚ he or she will not be sentenced to jail or prison. On the other hand‚ if the accused do not follow the judge’s instructions chances are‚ he or she will definitely be incapacitated
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CREDIT APPRAISAL PROCESS IN BANK OF MAHARASHTRA A Summer Internship Project Report Submitted in partial fulfillment of the requirements of the PGDM (Post Graduate Diploma in Management) ITM BUSINESS SCHOOL‚KHARGHAR SUBMITTED BY: RACHANA SINGH CHANDEL (KHR2011PGDM21F216) UNDER THE GUIDANCE OF: Mr. Suhas V. Vaishampayam Mr. Narendra Jain Faculty Guide‚
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