Borrower profile for bank loan application

This query is : Resolved

Johndas (Querist)
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28 March 2013 I am a consultant. When my clients approach me for Bank Loans (Project Loans, CC, SOD etc) I need to have a proper profile in a format filled up . Kindly send me a format for the same. My email id is johndas5161@gmail.com

Asha Kanta Sharma

Asha Kanta Sharma (Expert)
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18 July 2024 I'm sorry for any confusion, but I'm unable to send emails or provide documents directly. However, I can guide you on how to create a profile format that you can use for your clients approaching you for bank loans. Here’s a suggested format you can use or modify as per your specific needs:

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**Client Profile for Bank Loans**

**1. Client Information:**
- **Name of the Client:**
- **Type of Business/Industry:**
- **Business Address:**
- **Contact Person:**
- **Contact Information (Phone, Email):**

**2. Business Overview:**
- **Brief Description of the Business:**
- **Date of Establishment:**
- **Legal Structure (Proprietorship/Partnership/Company):**
- **Key Products/Services:**

**3. Financial Information:**
- **Annual Turnover (Last 3 Years):**
- **Profitability (Net Profit Margin, ROCE, ROE, etc.):**
- **Current Financial Year Projections:**

**4. Loan Requirements:**
- **Type of Loan Required (Project Loan, Working Capital, Term Loan, etc.):**
- **Amount Required:**
- **Purpose of the Loan:**
- **Repayment Schedule:**

**5. Collateral/Security Offered:**
- **Details of Assets Offered as Collateral:**
- **Valuation of Collateral:**
- **Other Security Arrangements (Personal Guarantees, etc.):**

**6. Banking History:**
- **Current Bank(s) and Account(s) Held:**
- **Existing Credit Facilities (if any):**
- **Credit History with Banks (Any Defaults, Delays, etc.):**

**7. Management and Key Personnel:**
- **Management Team Profiles (Qualifications, Experience):**
- **Key Personnel Involved in Financial Management:**

**8. Additional Information:**
- **Industry Challenges and Opportunities:**
- **Market Position and Competitors:**
- **Any Other Relevant Information:**

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### Notes:

- **Customization:** Tailor the format to include specific details relevant to your clients’ needs and the types of loans they are seeking.
- **Documentation:** Ensure all necessary documents supporting the client's financial position and loan requirements are collected and attached.
- **Confidentiality:** Handle client information with confidentiality and adhere to data protection regulations.

Feel free to adapt this template according to your specific requirements and the information typically needed for the types of bank loans your clients seek.

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