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Bank Loan Committee Presentation Template

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Bank Loan

Transcript: Assuming a $7M SBLC...issuance fee is 11%. 5.5% (385k) must be placed in escrow. The balance (385k) will be paid from loan proceeds From Carlos $400k for SBLC 90% LTV - Gross Amount Funded = $6.3M. The loan proceeds shall be paid out in 2 tranches...each $3.15M. NOTE...the following finance fees shall be paid from 1st tranche of loan proceeds. 4% (280K) to lender, 5.5% (385K) to SBLC Provider, 2% (140K) to Broker (805k). Repay Carlos $550k for SBLC Bellair WEK Escrow Option Durham for 10% or $250k balance paid in 9-12 months

Bank Loan

Transcript: Bank LOAN For A 2015 ARCTIC CAT HCR 800 Bank Loan I have highlighted the important info. That we will go over: Like paying more on a payment if you have the money to do so, and how much it could save you in the long run. The black highlight is how much money you save if you make more then the amount that is due. you can save a lot on interest that way.

BANK LOAN TRAINING

Transcript: ABOUT BANK LOAN LESSON CONTACT 1 BANK LOAN LESSON BE PRESENCE, BE FOCUS, BE ACTIVE But first, please download INTERVIEW 2 Need to collect basic info, so that you know your buyer well So, what you need to ask? BUYER PROFILE 1 Occupation Need to identify buyer from which type employment i : Salaried Employee (Supervisor / Engineer / Officer / Manager.....) ii : Government Employee (Teacher / Govern staff / Doctor / Nurse.....) iii : Commission Earner (Coway / Insurance / Shopee / Food Panda / Grab / Lorry Driver.....) iv: Businessman (Enterprise / Sdn Bhd / Partnership......) 2 INCOME i: Fixed Income - Every months will get a fixed amount of income Exp: Fixed Allowance, Transport Allowance ii : Non Fixed Income - Every months will get different amount of income based on working effort Exp: OT, Commission, Non Fixed Allowance 3 COMMITMENTS PTPTN House loan Shop loan Car loan Personal loan ASB loan Credit card outstanding 5% Term loan Business loan Pawn broking 4 ADDITIONAL INFORMATION Where is the customer Staying & Working? Customer Age Budget of the customer looking for new property? Married / Single? Want buy for own stay or Investment? 1st House? 2nd house? 5 ENTITLEMENT 1. Asking Buyer Gross Pay & Existing Commitment 2. Find out Net Pay = Gross pay x 0.88 (excluded 12% is deduction EPF & SOCSO) 3. Balance Money (can be use for housing loan) = ( Net pay x 60% {DSR} ) - Existing Commitments Question: - Is it still have balance money after deduct all expenses? - Is it still have enough money to pay new housing loan? **This calculation is roughly estimation only, if you have buyer income docs, please follow the DSR calculation which will be more accurate. **DSR is based on the level of Salary Sample 1. Gross Pay & Existing Commitment - Gross Pay = RM3500 - Existing Commitment: Car RM600, PTPTN RM200 2. Net Pay = RM3500 x 0.88 (EPF & SOCSO) = RM3080 3. Balance Money [(Net Pay x DSR)- existing commitment] = (RM3080 x 60% {DSR} ) - (RM600 + RM200) = RM1848 - RM800 = RM1048 --> Balance Money can be use Advice: - Buyer still have RM 1048 balance money, new house monthly installment cannot more than this amount. RM 1048 ( Estimate can buy property RM 250,000+- ) After you know your buyer profile & buyer already decide which project buyer interested to purchase, 3 Time to collect documents any idea DOCUMENTATION 1 Private Sector Employee IC (Clear) Employment Confirmation Letter 6 Months Latest Payslip 6 Months Latest Bank Statements (Show salary credited) Latest 2 years EPF Statement Latest 2 years EA Form (If Have) Latest 2 years Income Tax (if salary above 4k) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 2 GOVT EMPLOYEE IC (Clear) Employment Confirmation Letter 6 Months Latest Payslip (Barcode) 6 Months Latest Bank Statements (Show salary credited) Latest 2 years EPF Statement (If have EPF deduction) Latest 2 years EA Form (If Have) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 3 COMMISSION EARNER IC (Clear) Employment Confirmation Letter 6 Months Latest Commission Slip 6 Months Latest Bank Statements (Show salary credited) CP58 Personal Income Tax (2 Years) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 4 BUSSINESSMAN IC (Clear) SSM (Full Set 3 Pages) 6 Months Current Business Bank Statement (Business Name as registered SSM) 2 Years Full Set Income Tax with payment receipt Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) 5 OVERSEA WORKER IC (Clear) Working Permit Employment Confirmation Letter 6 Months Latest Payslip 6 Months Latest Bank Statements (Show salary credited) Local country CCRIS report (Exp: Singapore: CBS Report) Notice Of Assessment (If salary more than RM 2k) Extra Supporting Docs: Fixed Deposit / Savings / Rental Income (If have) Suggest to add a local joint borrower THEORY & TERMS After got the income docs & L.A will check buyer's RAMCI report. So now, what in RAMCI report you have to know & House Insurance 4 Brace yourself, it's have lots bank terms you need to know & remember BANK INFO Others Others Bank guideline* Processing fees * buyer need to bear for bank processing & stamping fees Valuation fees cannot include in the loan Fire insurance is additional insurance need to pay over counter by yearly SRP - Skim Rumah Pertamaku * Need to get AKPK Cert SJKP Scheme* Combine Loan = Bank Loan + Govt Loan* EPF withdrawal second house can withdraw but 1st need to settle or sold off *refer attachment Insurance Sample CCRIS & CTOS CCRIS & CTOS CCRIS The Facilities Car Loan/Motor Loan Personal Loan PTPTN Housing Loan/ Shop Loan Credit Card outstanding x 5% ASB Loan Overdraft Pawnbroking Notes: FYI.... certain customers maybe NOT consider as their own commitment Example: Car loan under his name but monthly pay by someone. Credit card outstanding x 5% Pawnbroking - refer bank guideline to calculate (is better settle) Overdraft -Limit x 7% /12 If existing housing loan is joint loan, commitment divide 2, if

Bank Loan Prezi

Transcript: Electronics Store Business Plan Projected Profits Month 1 Week 1 $254 Week 2 $297 Week 3 $319 Expected Total Profits: $1195 Week 4 $325 Continue Continue Item 1 Item 1 Item 2 Item 2 Item 3 Item 3 Stop Stop Start Start Why We Are the Best Candidate Why We Are the Best Candidate We are the best investment for your bank as we will make a more than suffiecient amount of profit. Current standings Current standings Quarterly Sales Summary Quarterly Sales Summary 15% 37% 9% 2% Wins Wins Initiatives Initiatives Top performers Top performers New business New business Losses Losses Failed initiatives Failed initiatives Lost businesses Lost businesses Missed Opportunities Missed Opportunities Takeaways Takeaways Successful Venture Successful Venture Technology is a fundamental part of our society. An electronics store will definitely benefit and return profit. Proposal Proposal Initiative 1 Initiative 1 Initiative 2 Initiative 2 Initiative 3 Initiative 3 Risks Risks Risk 1 Risk 1 Risk 2 Risk 2 Risk 3 Risk 3 Risk management Risk management Benefits Benefits Benefit 1 Benefit 1 Benefit 2 Benefit 2 Benefit 3 Benefit 3 The forecast The forecast The sales funnel The sales funnel Projections Projections The action plan The action plan Scope Scope Initiative 1 Initiative 1 Initiative 2 Initiative 2 Initiative 3 Initiative 3 Resources Resources Budget Budget Stakeholders Stakeholders Stakeholder 1 Stakeholder 1 Stakeholder 2 Stakeholder 2 Stakeholder 3 Stakeholder 3 Time Time Next steps Next steps Step 1 Step 1 Step 2 Step 2 Step 3 Step 3

Loan Committee Presentation

Transcript: ANDREW MELONI CEO NATE BARLOW CFO, AUSTIN SCHROEDER, ALEX ELMER FINANCE FINANCE INCOME STATEMENT INCOME STATEMENT ITEMIZED BUDGET ITEMIZED BUDGET R & D R&D NATALIA WEBBER, TREVOR SJORGEN, BRENTON HOLIDAY Cut customizable stickers Cuts cost per sticker by 82% $196 for cutter Cricut Cutter CRICUT CUTTER VINYL VINYL 10 stickers per sheet Typical roll has 10 sheets $14 per roll Need 4 rolls to start INNOVATION Budget $100 every 2 weeks Scratch and sniff Car decals FUTURE INNOVATION OPERATIONS How do we make it? NATE PARKS COO, JOEY GAULE, MARY WILSON, CRISTINA OSBON Processes from start to finish: 1) Receive designs from R&D 2) Edit on software 3) Cut & Print on Cricket Products per Hour Week 1 - 55 a day - 275 week Week 2 - 59 a day - 297 week The Process The Process Custom Stickers scratch and sniff efficiency trainings sales and production Efficiency Efficiency KASSANDRA SALAS CMO, BRACKEN QUINTON, BEN STEPHENS, JOSHUA ANDREWS MARKETING MARKETING Goal: 10,000 people to know about us by the end of week 2. MARKETING GOAL/DATA ] MARKETING PLAN MARKETING PLAN SOCIAL MEDIA PROMOTIONS ACTIVITIES VIDEO SOCIAL MEDIA PROMOTIONS ACTIVITIES VIDEO OTHER MARKETING TACTICS MARKETING PLAN

Bank loan

Transcript: khadija abdulla Bank loan Reason to have a loan 1- Wedding. 2-Travel. 3- Madical. Advantage Kind of loan. 1- personal loan 2- car loan 3- house loan contact: 1-Kind of loan. 2-Reason to have a loan . 3-Advantage or Disadvantage . 4-Avoid loan .

Bank loan

Transcript: A bank loan might be needed when a business doesn't have enough capital to fund its projects or the business may need it for its daily operation needs. bank loan Disadvantages What does the success depend on? A bank loan is an amount borrowed for a set period within an agreed repayment schedule. The repayment amount will depend on the size and duration of the loan and the rate of interest. Advantage A bank loan lacks flexibility, e.g., if a business takes a loan of $500 000 and it then finds out it only needed $250 000 then the business is paying interest on an excess of $250 000 which it doesn't need. The success depends on whether you can take advantage of the money and time provided to you. Also it depends on repaying the bank on time because if you don't then the bank will take over your assets. Bank Loan When is the bank loan needed A bank loan can be good for business growth because business is guaranteed money for a certain time. And then the business can use that money to buy more buildings, warehouses etc

Bank Loan

Transcript: Personal (Wedding - Travel - Medical - Study .....) Car loan . Renew your house . Start a business . Bank Loans Khadija Abdulla Bank Loans If you don't like to have a loan try to save your money and to provide your basic needs Prison i fail to pay the bank . If you take a loan , be you have to be serious and pay your monthly chargers 1- Car. 2- Renew the house. 3- Start a business. Finally Advice if you would like to have a loan or no't Advantage Interest rate like 6% ,7% Agenda 1- Types. 2- Advantage . 3- Disadvantage. 4- Advice. -Interest rate. -Amount. -Prison. Amount . Types Disadvantage

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