Decision on bank loan.. compared to the cost of obtaining additional information with a possible reduction in the amount of losses as a result of the availability of such information

In the light of the analysis of the available data and the negotiations with the client, the decision proposed by the competent employee may take one of the following images:

To accept or reject or to obtain additional information and in the latter case should be compared to the cost of obtaining additional information with the possible reduction in the amount of losses as a result of the availability of such information.

If they were projected to collect additional information for decision is uneconomic, it should rely on the expertise to put the client's request within applications within the proposed acceptance or rejection of the proposed applications.

In many rejected a requests for borrowing should give the client a justification convincing rejection decision and in many cases is not considered a resolution proposed by the competent employee permanently even displays the director of lending, and may even require approval to refer to the Executive Committee of the Nipped and the goal is to make sure all measures have been taken to protect the Bank against unforeseen risks, and make sure that the return, which will get the bank draw with the risks that exposure to them.