Lending
Loan applications, the approval ladder, disbursement, repayment, restructuring, and write-offs.
How to submit a loan application
Client selection, product, amount, tenor, required documents.
How the loan approval ladder works
Branch officer → committee → board, gated by product amount bands, with segregation-of-duties.
Why is my loan stuck at committee review?
Common holds: missing affordability assessment, incomplete CRB check, requirement gate unmet.
Disbursement requirement gates explained
Collateral perfection, credit-life coverage, employer MOU (for check-off) must be satisfied first.
Understanding the Key Facts Statement (EIR/APR)
What it discloses and why it's shown before signing.
How to restructure a loan
When restructuring applies, its approval requirements, and effect on the repayment schedule.
How and when a loan is written off
The write-off approval path and its GL and reporting impact.
Reassigning a loan to a different officer
Mid-life officer reassignment and what carries over.
Related categories
Affordability assessment, CRB checks, recovery notices, and the complaints register.
Collateral register, revaluation, guarantors, repossession, and credit-life/asset insurance.
PAR30/PAR90 aging, BOT 5-band classification, provisioning, and portfolio disaggregation.
Frequently asked questions
How many approval tiers does a loan go through?
Depends on the product's amount band — small loans may need only branch-officer sign-off; larger loans escalate to committee or board.
Can a branch officer approve their own loan application?
No — segregation-of-duties blocks approving your own origination.
What blocks a loan from disbursing after approval?
An unmet requirement gate: collateral not yet perfected, credit-life not active, or (for check-off) no live employer MOU.
Can an approved loan still be edited?
Material changes typically require restructuring rather than an edit, to preserve the audit trail.
What is a Key Facts Statement?
A standardized EIR/APR disclosure shown to the borrower before signing.