Banking · Loan Appraisal and Models
A bank is evaluating various delivery models for a new MSME loan product that requires frequent collateral inspection and detailed financial statement analysis. Which model is least suitable and most likely to result in credit appraisal failure for such high-touch requirements?
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1Dedicated Marketing Managers supported by local credit officers
- 2Mobile-based automated Loan Origination System (LOS) without physical verification✓
- 3Branch-based Relationship Manager Model
- 4Centralized Loan Processing Unit (LPU)
Correct answer
Mobile-based automated Loan Origination System (LOS) without physical verification
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