72376004-Credit-CAM-Format.pdf

cam report

1. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
20.VERIFICATION DETAIL
Verification Type Result Verification Type Result
Residence verificationPositive / NegativeMachine supplier checkPositive / Negative
Reference check DebtorsPositive / NegativeBankers reference checkPositive / Negative
Reference check
Creditors
Positive / NegativeDedupe Positive / Negative
Independent/ Market
reference check
Positive / NegativeFCU check Positive / Negative
Assets VerificationPositive / NegativeCustomer Meeting Positive / Negative
Price Verification Positive / NegativeAuditor VerificationPositive / Negative
RM CAM Rating (Excellent, Good, Medium, poor)
21. GUARANTOR DETAIL
Name Address CIBIL
score
Income
from salary
Income
from
business
Detail of other
firm if any
21.REFERENCE CHECK BY CREDIT ANALYST:
I.Machine Supplier
Name of Machine Supplier 1
Contact Person with contact details
Detail of the Machine
Transaction detail
Market rate of the machine
Other observation
Name of Machine Supplier 2
Contact Person with contact details
Detail of the Machine
Transaction detail
Market rate of the machine
Other observation
II.Creditor
Name of Creditor 1
Contact Person with contact details
Number of years of relationship
Nature of relationship
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 1

2. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
Volume and value of business
payment terms
General experience, outlook about
the applicant

Name of Creditor 2
Contact Person with contact details
Number of years of relationship
Nature of relationship
Volume and value of business
Payment terms
General experience, outlook about
the applicant
III.Customer
Name of Customer 1
Contact Person with contact details
Number of years of relationship
Nature of relationship
Volume and value of business
Payment terms
General experience, outlook about
the applicant

Name of Customer 2
Contact Person with contact details
Number of years of relationship
Nature of relationship
Volume & value of business
Payment terms
General experience, outlook about
the applicant
IV.Bankers/ Term lenders
Name of Banker / Financial
Institutions

Contact Person with contact details
Number of years of relationship
Nature of relationship
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 2

3. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
Credit facility enjoyed – pick/ current
Payment track record
General experience, outlook about
the applicant

V.Competitors/ Peers
Name of Organization
Contact Person with contact details
Number of years of relationship
Any business dealing
General experience, outlook about
the applicant

VI.Compliances & Legal:
Compliances Yes / No Remarks
Income tax filing: Regular and timely
Excise duty/ Service Tax filing: Regular and
timely
Sales tax filing: Regular and timely
ESIC and EPF dues: Regular and timely
Litigation/case against the Entity (check on
internet)
Litigation against the Promoters (check on
internet)
Any previous defaults (check on internet)
22.CAT SHEET:
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 3

4. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
Paste the CAT Sheet
23.COLLATERAL DETAIL AGAINST CC FACILITY.

Banker Limit (Lacs) Collateral Detail
24.DETAILS OF LOANS
Paste RTR Sheet
25.COMMENTS ON FINANCIALS:
1Total Tangible Net
Worth:
a)Capital
b)Reserve
c)Own unsecured Loan
2Total outside Liabilities:
a)Secured Term Loan:
b)Unsecured Term Loan
c)Working Capital
Facilities

d)Other Liabilities(Deferred
Tax , ect):
3Current Assets:
a)Debtor
b)Inventory
c)Cash & Bank
d)Other Current Assets
(Loans & Adv/ Security
etc.)

4Current Liabilities
a)Creditor
b)Expenses Payable
c)Other Current Liabilities.
5Fixed Assets ( Land &
building / Plant &
machinery, Others)

6Profit & Loss account
a)Turnover ( Domestic,
Export :

b)Interest to FI/P.P
c)Depreciation
d)Expenses ( Major
observation, if any)
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 4

5. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
7Banking :
a)Bank Behavior (Limit
detail) :

b)Flow (Turnover
realization):

c)Track Record (Cheque
bouncing %):

8Ratio Analysis: (Please also explain impact of ratio after proposed loan )
a)Debt Income Ratio :
b)Working Capital :
c)Gross Profit Ratio
d)Net Profit Ratio:
e)TOL/TNW
f) Debt / Equity
g)DSCR
9Comments on Auditors
report ( Only critical
observation if any)
10Comments on Tax
Audit report ( Only
critical observation if
any)
11Comments on ITR
26.CORPORATE GUARANTOR (IF ANY)
Paste the CAT of Corporate Guarantor & Give financial Comments as per above format
27.GROUP ANALYSIS
Particular Main Applicant Corporate GuarantorGroup Total
Capital Employed
Own Unsecured Loan
Total Debt Burden
Turnover
PAT as per Book
Imputed Income
EMI Burden
TOL/TNW
Debt / Equity
Debt Income Ratio
DSCR
28.VISIT REPORT BY CREDIT ANALYST
Date / Day / Time
Location
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 5

6. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
Contract Person with Designation
& Ph. Number.

Visit conducted by
Key Discussion and Observation
Set up:
Current Machinery:
Stock Position:
Man Power Seen:
Investment in business:
Actual Turnover (including Cash
Business)

Margin in Business
Growth in Turnover after addition
of upcoming Machine

Comment about working Capital
Decision Maker:
Business Activity Seen:
Future plan of the company
Observation of Credit Analyst
End Usage of funds as discussed
with Client
29.OBSERVATION ON PROPOSAL BY CREDIT ANALYST
Growth History:
Profitability:
Banking Observation
CIBIL Observation
External Rating:
Industry Outlook
Financial Observation
Assets being Financed( Standard /
Nonstandard):
Comments on existing Exposure /
PDD / Cumulative exposure
30.RISK INVOLVE IN PROPOSAL & MITIGATES:
Risk Mitigate
Financial
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 6

7. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
Non Financial
31.DEVIATION MATRIX
Deviation Detail
Paste From CAT Sheet
32.BRANCH CREDIT ANALYST RECOMMENDATION
Recommendation
Name
33.H.O. CREDIT ANALYST OBSERVATION & RECOMMENDATION
Recommendation
Sanction
Condition
Name
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 7

8. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
34.FINAL CREDIT COMMITTEE DECISION PARAMETER
Final BC/EC/CC Decision Parameter
Proposal Approved detail as per BC/EC/CC meeting is in Annexture1
Approval Committee
Name Designation Signature
Status of CC quorum ( Complete/Incomplete)
Proxy if any
Name Designation
Annexure 1
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 8

9. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
Decision of BC/EC/CC
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 9

10. CREDIT APPRAISAL MEMORANDUM
Name of the Applicant
Name of Committee
Name of Approval
Committee Member
Name Designation
Gross Amount Product Amount
Net Amount Product Amount
Machines being Purchased:
A brief
Detail of assets Supplier Amount
ROI (Reducing)
Management Fee
Tenure
Personal guarantees
Corporate Guarantee (if
Applicable)
ROC Charges
Hypothecation Detail
PSL ( Yes/ No)
Insurance
Any other condition
Authorised Person Name Designation Signature
Name of RM & Credit Analyst & Date TimesNew Roman 12Page 10