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Dear team,
Credit department has come a long way since's to till date.... Earlier the concept of analysing individuals credentials was only with the banker/ lender who used to use his discretion at times and take a call on giving / not giving credit.
Now we have credit scores being published, CIBIL Scores, verification at every step in documentation process, address verifications,statement verifications,risk control unit certifications etc have helped the credit team to mitigate the risks involved in the profile.
With the help of these tools risks have come down but larger risks are involved in high networth individuals. The valuation risks are there as per the dynamics of the market, depends on the asset given as security, excess leverage should not be given in cases where the exposure is more and sector growth outlook is weak. Majority of npas are concentrated in only% of the individuals across the countries.
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