Document your lending rules
Drafts a board-ready credit policy document — target segments, eligibility, loan parameters (amount, tenure, LTV, FOIR), approval authority matrix, risk controls and rejection criteria — for your lending business. Use this as the rulebook your appraisal and underwriting follow. For the appraisal method use the Credit Appraisal Framework; for the day-to-day process use the Loan Origination SOP.
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