Credit Monitoring System

Constant Vigilance powered by
limitless credit monitoring capabilities

A 360 degree solution that effectively predicts asset quality vulnerabilities

All round monitoring of accounts
& asset quality maintenance

Credit Monitoring is an integral part of lending activity. Banks have a great responsibility to maintain the quality of the assets and to recover the interest and other dues in time. Though adequate precautions are taken during assessment and sanction of a loan, a banker has to be more vigilant post sanction of the loan.

There is an inherent need for banks to put in place a very sound system for effective credit monitoring. Credit Monitoring System enables the banks to monitor the borrower’s account from various perspectives.

credit monitoring system

Features of Credit Monitoring System

Highly functional CrMS
(Credit Monitoring System) housing
a wide range of functions
Features for all round asset
quality management
Proactive alerts
to capture Early Warning
Signal

Slide
Dashboard
Slide
Security
Slide
Facility
Slide
Margin
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Things to Monitor
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Covenants
Slide
Irregularities
Slide
Diaries
Slide
Notepad

Enhanced visual representation of alert
data with interactive Dashboard

Benefits of
Credit Monitoring System

A 360 degree automated solution that enables of
monitoring borrower accounts, predicting asset
quality deterioration with a wide range
of functionalities

  • Monitoring of the borrower accounts to foresee
    asset vulnerabilities
  • Enables preventive and corrective measures
  • Ensures efficient usage of loan funds and reduce
    the loan losses
  • Maximize loan returns
  • What does
    CrMS helps in
    finding
  • Stock statments
    submitted in time?
  • Annual statements
    submitted in time?
  • All covenants stipulated
    while loan sanctioning
    are adhered to?
  • Monitoring regular
    payments of interests
    and instalments
  • Excessive reliance on
    securities?
  • Excessive lending to certain
    borrowers/accounts?
  • Over valuation of
    securities?
  • Proper creation of charges
    of securities
  • Monitoring obsolete
    stocks

Salient features of CrMS categorized below

features of credit monitoring system verify

Verify

  • Client documentation
  • Securities
  • Credit Initiation disbursal
  • Financial Data
  • Industry trends
cms features monitor

Monitor

  • Facilities
  • Collateral and security
  • Covenants
cms document and report

Document & Report

  • Irregularities
  • Generate alerts
  • Email notifications

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