E-Book 2018

COMMERCIAL CREDIT Commercial Business Analysis

1 3 1 Mth 1 Year 15

Business Scenario

Aplication Handling

A/R Mgt. Handling

Agreement & Commitment

MARKETING CREDIT OPERTION/ ADM COLLECTION

10 3 Year 2 Year Finish

License of Document

SERVICE

MULTI FINANCE BUCKET CUSTOMER HANDLING

CREDIT COMMERCIAL ANALYSIS

STEP OF APPLICATION HANDLING

PRA-ANALYZE

SURVEY

CREDIT ANALYZE

REPORT FOR APPROVAL

Check FAP + Cost Sheet Check Minimal Data (RK, TDP, SIUP, NPWP, KTP, KK dll)

House, Office, Workshop, Site – Project/ Camp Condition Field Survey at jobsite / Project Location Field Survey at Pool/ Maintenance facilities

Verify Data Interview the Customer Credit Checking (Supplier, Bank, Competitor, Employee, etc)

Making Approval Report - Credit Approval (CAFE / CASÉ)

BASIC ANALYSIS FOR COMMERCIAL FINANCING

OBJECT FINANCING

UNITS PROPOSAL (PROJECT)

GRADING (CUSTOMER, PROJECT & OBJECT FINANCING)

KNOW YOUR CUSTOMER

• Customer Profile : ~ Legality ~ Company Background, back-up financing ~ 5C (SWOT) Analysis • Capacity & capability: ~ BI Checking, Credit Checking ~ Historical : spare part + AR • Experience vs. current business : ~ Experience ~ Business continuity • Asset & Revenue (Business) : ~ bank statement ~ Financial statement

• Units Specification (spec unit vs. project condition) • LOR : (Loss on reposses) • Credit condition vs. Collateral

• Legal Document Project ~ Legality ~ Social Community ~ Area unit handling •Business continuity (base on : current business experience: tenor vs. contract) • Financial analysis: ~ Cash flow project ~ DSC, BEP, IRR • Risk Management Project. ~ Segment Business ~ Bowheer / Buyer.

• Resale value vs. brand image • Object Financing Category • Popular vs. Familiar • After sales service (spare part) • Productivity of Object Financing

CREDIT APPROVAL

(KELAYAKAN) INTERNAL

EXTERNAL ECONOMIC MACRO GOVERNMENT POLICY

5 C - ANALYSIS

CAPACITY : Customer Profile

Customer Background

Share Holder

Cash Flow

Mining Engineering

CAPITAL : Investment

Down Payment

Basic Capital

Paid Up Capital

CHARACTER : Historical Payment

Trade/Bank Checking

COLLATERAL : LOR

Additional Collateral

CONDITION : Customer Background

Existing Customer

Supplier

Bowheer

Global Economy & Politics

CONSTRAINT : Location

Strategy

+ 1c

VEHICLE CATEGORY

Analisa Konsep Produk Order

Study Existing

Pengumpulan

Data

Brainstorming Pengembangan &

Inovasi Desain

Desain

Akhir Evalua

si

Desain

Drawing

Modelling /

Prototype

Production

Preparation

Mass

Production

CARROSSERIE

LOSS ON REPPOSSES ANALYSIS

LOSS ON REPPOSSES ANALYSIS

ADIRA FINANCE CORPORATE UNIVERSITY Jl. Johar No. 22, menteng – Jakarta Pusat

Telp. 021 – 3920 972

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