[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-171878-105":53,"doc-detail-171878-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","sefa-credit-procedures-version-2-credit-risk-procedures","sefa CREDIT PROCEDURES - Version 2 - Credit risk procedures","","sefa CREDIT PROCEDURES document defines end-to-end governance for credit and lending risk management, covering key principles, the application process for new client relationships, and due diligence. It details how to evaluate application documents, conduct risk analysis (including financial strength, sensitivity, technical viability, environmental and legal factors), and assign credit risk ratings. It further sets rules for managing collateral, applying credit risk ratings through a master credit rating scale, and controlling sefa’s credit risk rating systems using credit models and rating governance.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/sefa-credit-procedures-version-2-credit-risk-procedures/171878/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/sefa-credit-procedures-version-2-credit-risk-procedures/171878.png","ImageObject",442,249,{"name":88,"@type":89},"WPS_1786070896","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/vnd.openxmlformats-officedocument.wordprocessingml.document","2026-09-25","2026-09-01",true,{"@type":98,"interactionType":99,"userInteractionCount":47},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What is covered by sefa’s credit and lending risk procedures?","Question",{"text":108,"@type":109},"The procedures cover credit and lending risk key principles, the application process for new clients, due diligence, and risk analysis. They also include credit risk rating application and collateral management requirements.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How does the document approach due diligence and risk analysis?",{"text":113,"@type":109},"It specifies evaluation of application documents and a structured risk analysis, including borrower capacity, sources and use of funds, cash flow assessment, market and competitor analysis, financial strength, sensitivity testing, technical viability, environmental impact, socio-economic impact, and legal analysis.",{"name":115,"@type":106,"acceptedAnswer":116},"How are credit risk ratings defined and applied in credit transactions?",{"text":117,"@type":109},"The document defines the master credit rating scale, explains the rationale and function of the master scale, and describes control mechanisms for sefa’s credit risk rating systems. It also states mandatory credit risk rating requirements and approval processes for ratings.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},171878,1788287488,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":47,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":32,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":125,"read_time":40},549768072016,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","\u0003\n\u0003sefa CREDIT PROCEDURES\u0004\n\u0003by\u0004\n\u0003Credit Risk Unit\u0004\n2014\n\u0004\n\u0003TABLE OF CONTENTS\n\u0013 TOC \\o \"1-4\" \\h \\z \\u \u0014\u0013 HYPERLINK \\l \"_Toc399838654\" \u00141.\tCREDIT AND LENDING RISK – KEY PRINCIPLES\t\u0013 PAGEREF _Toc399838654 \\h \u001410\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838655\" \u00142.\tAPPLICATION PROCESS – NEW CLIENT RELATIONSHIPS\t\u0013 PAGEREF _Toc399838655 \\h \u001410\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838656\" \u00142.1.\tOverview\t\u0013 PAGEREF _Toc399838656 \\h \u001410\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838657\" \u00142.2.\tEarly risk review\t\u0013 PAGEREF _Toc399838657 \\h \u001411\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838658\" \u00143.\tDUE DILIGENECE\t\u0013 PAGEREF _Toc399838658 \\h \u001412\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838659\" \u00143.1.\tApplication documents\t\u0013 PAGEREF _Toc399838659 \\h \u001413\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838660\" \u00143.2.\tRisk analysis\t\u0013 PAGEREF _Toc399838660 \\h \u001415\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838661\" \u00143.2.1.\tInstitutional and management capacity assessment\t\u0013 PAGEREF _Toc399838661 \\h \u001415\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838662\" \u00143.2.2.\tSource and application of funds\t\u0013 PAGEREF _Toc399838662 \\h \u001416\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838663\" \u00143.2.3.\tStructurally sub-ordinated cash flows\t\u0013 PAGEREF _Toc399838663 \\h \u001416\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838664\" \u00143.2.4.\tMarket and competitor analysis\t\u0013 PAGEREF _Toc399838664 \\h \u001416\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838665\" \u00143.2.5.\tFinancial strength of borrower and cash flow analysis\t\u0013 PAGEREF _Toc399838665 \\h \u001417\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838666\" \u00143.2.6.\tValidation of cash flow assumptions and sensitivity analysis\t\u0013 PAGEREF _Toc399838666 \\h \u001417\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838667\" \u00143.2.7.\tTechnical viability and soundness\t\u0013 PAGEREF _Toc399838667 \\h \u001418\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838668\" \u00143.2.8.\tEnvironmental impact\t\u0013 PAGEREF _Toc399838668 \\h \u001418\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838669\" \u00143.2.9.\tSocio-economic impact\t\u0013 PAGEREF _Toc399838669 \\h \u001418\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838670\" \u00143.2.10.\tLegal analysis\t\u0013 PAGEREF _Toc399838670 \\h \u001419\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838671\" \u00143.3.\tCredit risk ratings\t\u0013 PAGEREF _Toc399838671 \\h \u001419\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838672\" \u00143.4.\tFacility terms and conditions/covenants\t\u0013 PAGEREF _Toc399838672 \\h \u001420\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838673\" \u00143.4.1.\tTerms and conditions\t\u0013 PAGEREF _Toc399838673 \\h \u001420\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838674\" \u00143.4.2.\tCovenants\t\u0013 PAGEREF _Toc399838674 \\h \u001420\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838675\" \u00143.4.3.\tTenor\t\u0013 PAGEREF _Toc399838675 \\h \u001421\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838676\" \u00143.4.4.\tInterest rates\t\u0013 PAGEREF _Toc399838676 \\h \u001421\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838677\" \u00143.4.5.\tInitiation fees\t\u0013 PAGEREF _Toc399838677 \\h \u001421\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838678\" \u00143.4.6.\tGrace period\t\u0013 PAGEREF _Toc399838678 \\h \u001422\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838679\" \u00144.\tMANAGEMENT OF COLLATERAL\t\u0013 PAGEREF _Toc399838679 \\h \u001422\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838680\" \u00144.1.\tOverview\t\u0013 PAGEREF _Toc399838680 \\h \u001422\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838681\" \u00144.2.\tValuation of collateral\t\u0013 PAGEREF _Toc399838681 \\h \u001423\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838682\" \u00144.3.\tGuidelines for the revaluation of collaterals\t\u0013 PAGEREF _Toc399838682 \\h \u001424\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838683\" \u00144.3.1.\tValuation methodologies\t\u0013 PAGEREF _Toc399838683 \\h \u001424\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838684\" \u00144.3.2.\tFrequency of valuation\t\u0013 PAGEREF _Toc399838684 \\h \u001424\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838685\" \u00144.3.3.\tRevaluation of collateral\t\u0013 PAGEREF _Toc399838685 \\h \u001425\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838686\" \u00144.4.\tMonitoring and reporting of collateral\t\u0013 PAGEREF _Toc399838686 \\h \u001425\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838687\" \u00144.5.\tRealisation of collateral\t\u0013 PAGEREF _Toc399838687 \\h \u001425\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838688\" \u00144.6.\tAdministration of collateral\t\u0013 PAGEREF _Toc399838688 \\h \u001425\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838689\" \u00144.7.\tRelease of collateral\t\u0013 PAGEREF _Toc399838689 \\h \u001426\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838690\" \u00145.\tAPPLICATION OF CREDIT RISK RATINGS\t\u0013 PAGEREF _Toc399838690 \\h \u001426\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838691\" \u00145.1.\tOverview\t\u0013 PAGEREF _Toc399838691 \\h \u001426\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838692\" \u00145.2.\tDefinition of the master credit rating scale\t\u0013 PAGEREF _Toc399838692 \\h \u001426\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc399838693\" \u00145.2.1.\tRationale and function of a master credit rating scale","cbCaiuQ86fM0X783","https://ap.wps.com/l/cbCaiuQ86fM0X783","docx",267843,"English","# CREDIT AND LENDING RISK – KEY PRINCIPLES\n# APPLICATION PROCESS – NEW CLIENT RELATIONSHIPS\n## Overview\n## Early risk review\n# DUE DILIGENECE\n## Application documents\n## Risk analysis\n# MANAGEMENT OF COLLATERAL\n## Overview\n## Valuation of collateral\n# APPLICATION OF CREDIT RISK RATINGS\n## Overview\n## Definition of the master credit rating scale","[{\"question\":\"What is covered by sefa’s credit and lending risk procedures?\",\"answer\":\"The procedures cover credit and lending risk key principles, the application process for new clients, due diligence, and risk analysis. They also include credit risk rating application and collateral management requirements.\"},{\"question\":\"How does the document approach due diligence and risk analysis?\",\"answer\":\"It specifies evaluation of application documents and a structured risk analysis, including borrower capacity, sources and use of funds, cash flow assessment, market and competitor analysis, financial strength, sensitivity testing, technical viability, environmental impact, socio-economic impact, and legal analysis.\"},{\"question\":\"How are credit risk ratings defined and applied in credit transactions?\",\"answer\":\"The document defines the master credit rating scale, explains the rationale and function of the master scale, and describes control mechanisms for sefa’s credit risk rating systems. It also states mandatory credit risk rating requirements and approval processes for ratings.\"}]","sefa CREDIT PROCEDURES - Version 2 - Credit risk procedures | DOCX"]