Data Type analysis – integrity checks, sample selection, understanding portfolio trends.
Portfolio Due Diligence
The methodology includes :
Policy and strategy review – analyse current product & business strategy. Review of credit policy in support of business plan & in-line with market practices.
Portfolio review – evaluate portfolio quality, product profitability , collateral quality & adequacy
Origination & credit process review – checking of sampled files & branch walk thru to assess origination quality, adherence to credit policy & process guidelines, review of collection process & collateral management.
Management presentation & interview – business, credit & collections, analytics, IT, HR
Loss analysis & projection – static pool analysis, growth & loss projections.