Field Assessment

Send a loan for a field visit, record findings and evidence, and complete the assessment with a recommendation.

Workflow

  1. 1

    Send the loan for assessment

    On a Draft loan whose product has Field assessment required, choose Send for assessment. Pick the Assessor (or leave Any assessment officer at this branch), add a Note for the assessor, and choose Send for assessment. The loan shows Under assessment and its terms are locked.

  2. 2

    Start the visit

    The assessor opens the loan's Assessment tab and chooses Start assessment. An Assessment Officer, a Branch Manager, an owner or an admin may assess, but never the person who wrote the loan.

  3. 3

    Record the findings

    Fill in The visit (Visit date, Place visited), What was found (business or source of income, property and collateral, character and references, risks) and Capacity (Income, Expenses, Existing loan instalments, Collateral value). Choose Save findings as you go.

  4. 4

    Attach evidence

    Under Add photos or documents from the visit choose the files and Attach to assessment. Evidence can only be added while the assessment is In progress.

  5. 5

    Complete with a recommendation

    Choose the Recommendation (Approve as applied, Approve with changes or Decline), the Risk rating (Low, Medium or High risk), the recommended amount and term, and the Reasoning. Choose Complete assessment; the report cannot be changed afterwards and the loan shows Assessed.

  6. 6

    Use the report

    Download report gives the assessment as PDF, and its summary travels with the approval request. A correction goes through Edit assessment and Submit for approval; Request re-assessment starts a new visit.