CAIIB · ABM · Chapter 21

Abm Traight Through Loan Processing or Credit Underwriting Engines

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Advanced Bank Management — CAIIB.

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One-liners from this chapter

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Q

Loan Application Capture?

A

Digital submission via app/web; pre-filled forms using DigiLocker, PAN, Aadhaar

Q

KYC Verification?

A

Aadhaar e-KYC (offline XML/OKYC), V-CIP, CKYC look-up, PAN-Aadhaar match

Q

Document Verification?

A

AI/OCR scanning of ITR, salary slip, bank statement, property papers

Q

Credit Bureau Pull?

A

Real-time API to CIBIL / Experian / Equifax / CRIF High Mark

Q

Policy / Eligibility Engine?

A

Auto-match against bank's product policy, ROI grid, exposure caps

Q

Risk Scoring?

A

ML model scores PD (probability of default) and assigns risk grade

Q

Sanction & Disbursement?

A

e-Sign agreement, e-NACH mandate, instant credit to account

Q

Rule-Based Engine — How it decides / Typical Use?

A

How it decides: Hard if-then rules (e.g. if CIBIL < 700 decline); Typical Use: Policy gates

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PDF study notes

21c Abm Straight Through Loan Processing or Credit Underwriting Engines 153 KB
Previous chapter Term Loans Next chapter Abm 22c

More chapters in Module C - Credit Management

1. Overview of Credit Management 2. Analysis of Financial Statements 3. Working Capital Finance 4. Term Loans 5. Credit Delivery 6. Credit Control and Monitoring 7. Risk Management and Credit Rating 8. Resolution of Stressed Assets under the Insolvency and Bankr... 10. Important Laws Relating to Recovery of Dues 17. Overview of Credit Management (17C)
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