FINANCE CUSTOMER CREDIT PROFILE
_____________________________________________________________________________________
I. Customer Identification
A. Basic Information
Complete the following basic information to ensure accurate identification of the customer:
Full Name: [Customer's Full Name]
Date of Birth: [Customer's Date of Birth]
Social Security Number/ID: [SSN/ID]
Contact Details: [Customer's Contact Information]
Residential Address: [Customer's Residential Address]
B. Employment Status
Understanding the customer's employment helps in assessing financial stability:
Current Employer: [Current Employer]
Role/Title: [Job Title]
Employment Duration: [Duration of Employment]
Annual Income: [Annual Income]
II. Financial Snapshot
A. Financial Snapshot
An overview of the customer's financial status helps in understanding their current financial situation:
Income
Expenses
Assets
Real Estate: [Real Estate Assets]
Investments: [Investments]
Savings Accounts: [Savings Accounts]
Retirement Accounts: [Retirement Accounts]
Liabilities
Mortgage: [Mortgage]
Auto Loans: [Auto Loans]
Student Loans: [Student Loans]
Credit Card Debt: [Credit Card Debt]
Other Loans: [Other Loans]
III. Credit History
Analyze the customer's credit history to evaluate their previous credit behavior and reliability:
Credit Score: [Credit Score]
Total Credit Lines: [Total Number of Credit Lines]
Credit Utilization Ratio: [Credit Utilization Ratio]
IV. Assessment of Creditworthiness
Evaluate the collected financial data to ascertain the risk and potential of approving credit:
Risk Category: [Risk Category]
Likelihood of Timely Payments: [Payment Reliability]
Recommendation for Credit Approval: [Approval Recommendation]
V. Regulatory Compliance Checks
Ensure the following checks are conducted to comply with financial regulations:
Anti-Money Laundering (AML) Clearance: [AML Clearance Status]
KYC Verification Status: [KYC Status]
Adherence to Lending Standards: [Compliance with Lending Standards]
VI. Financial Goals and Objectives
Understanding the customer's financial goals and objectives helps in tailoring suitable financial products and services:
Short-term Financial Goals: [Short-term Goals]
Medium-term Financial Goals: [Medium-term Goals]
Long-term Financial Goals: [Long-term Goals]
Investment Objectives: [Investment Objectives]
Risk Tolerance: [Risk Tolerance Level]
VII. Decision Making and Communication
The final section summarizes the decision-making process and outlines the communication flow:
Final Decision on Lending: [Final Lending Decision]
Justification for Decision: [Decision Justification]
Departmental Notes: [Internal Comments]
Customer Profile Templates @ Template.net
