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](https://kumaran.com/wp-content/uploads/2021/01/credit-monitoring-system.jpg)
Features of Credit Monitoring System
(Credit Monitoring System) housing
a wide range of functions
quality management
to capture Early Warning
Signal
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon5.png)
Dashboard
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon6.png)
Security
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon7.png)
Facility
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon8.png)
Margin
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon9.png)
Things to Monitor
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon10.png)
Covenants
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon11.png)
Irregularities
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon12.png)
Diaries
![Credit Monitoring System Slide](http://kumaran.com/wp-content/plugins/revslider/public/assets/assets/transparent.png)
![](http://kumaran.com/wp-content/uploads/2020/10/cms-features-icon13.png)
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](https://kumaran.com/wp-content/uploads/2021/01/features-of-credit-monitoring-system-verify.jpg)
Verify
- Client documentation
- Securities
- Credit Initiation disbursal
- Financial Data
- Industry trends
![cms features monitor](https://kumaran.com/wp-content/uploads/2021/01/cms-features-monitor.jpg)
Monitor
- Facilities
- Collateral and security
- Covenants
![cms document and report](https://kumaran.com/wp-content/uploads/2021/01/cms-document-and-report.jpg)
Document & Report
- Irregularities
- Generate alerts
- Email notifications