胶黏剂项目申请报告(可编辑案例).doc
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1、entation”. It also included analysis of ways Hanvit could differentiate its product offerings by customer segment and also provide packaged services where appropriate. Risk Review:The focus here was on providing best practice feedback to help Hanvit establish an independent loan risk review function
2、. Designed to report directly to a “high-level committee of the Board of Directors”, the loan risk review function has key internal “watch-dog” responsibilities to provide a second opinion on risk ratings and to provide an ongoing monitoring function. The loan review function is expected to use all
3、of the same credit risk decision-support tools developed within the CRMS project and it will coordinate closely with the problem loan workout department.Relationship Management:The focus here was on providing best practice feedback to help Hanvit establish clear account management responsibilities f
4、or the relationship manager. This is designed to use organized account reviews and a contact management database to support the RM as the key focal point in the customer relationship. The RM will work closely with the credit teams as well as the product specialists to develop quality commercial busi
5、ness relationships.In addition to these specific process improvement objectives, KPMG has also provided a framework to help Hanvit improve its small business approval process and this is outlined in Chapter 3.0 as well. 2.1.2 Retail CRMS: Overall ScopeThe retail credit analysis process at Hanvit, hi
6、storically, has focused only limited effort on using statistical decision-support models in retail lending. Therefore, the primary objective of CRMS to support retail lending includes: Design and development of a set of retail scorecards to support credit decision-making, monitoring, limits and pric
7、ing analysis Re-design of the retail submission and approval process consistent with the Banks centralized lending strategy and the regulatory requirement to monitor and manage approvals and declines on an ongoing basis2.1.2.1 Retail Decision-Support Applications Application scorecards for secured,
8、unsecured/guaranteed lending and credit cards “Grey zone” scorecards for unsecured loans Behavioral scorecards for secured, unsecured/guaranteed lending and credit cards Limits analysis by score band based upon the combination of income and score-band2.1.2.2 Retail Submission & Approval Process Supp
9、ort branch print application details for underwriting and management of transaction information Support summary analysis of numbers of applications, approvals, declines by type of loan2.1.2.3 Retail Data-Mart Designed to support full implementation and ongoing management of the suite of retail score
10、cards Designed to support retail application submission and approval process2.2CRMS Project ObjectivesIn this section of the CRMS project review we describe the overall objectives of the CRMS project to support better credit risk decision-making. We start with commercial lending and then move onto r
11、etail lending, including secured, unsecured/guaranteed and credit card loans.2.2.1 Commercial CRMS: Specific ObjectivesAs described above in the project review introduction, the overall objectives of commercial CRMS focused on developing better decision-support analytics, improving the overall credi
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