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Borrower 360: Character & Capability Evaluator

A dual-dimensional tool combining subjective character scoring with quantitative requirement planning.

About this Tool

Purpose: A comprehensive qualitative and quantitative scorecard. Evaluates **character, motivation, and leadership** alongside working capital requirements and industry-specific production cycles.

Credit Managers Relationship Managers Loan Officers
I. Character & Management Assessment (The "Who")
Motivation

What induced the customer to put forth the proposition?

5/10
Character & Integrity

Determination, adaptability, enthusiasm, and honesty.

5/10
Age & Succession

Continuity risk and management depth.

5/10
Relevant Experience

Track record in this specific line of business.

5/10
Special Abilities

Technical or unique skills required for success.

5/10
Leadership & Delegation

Abilities of control, coordination, and team management.

5/10
Managerial Expertise

Marketing, Finance, and Production management skills.

5/10
Personal Circumstances

Family backing, private means, and health factors.

5/10
II. Requirement & Cycle Evaluation (The "What")
Logic: Balanced Processing and Material Costs
Operating Cycle Parameters (Months)
Multiplier: 1x
Trust & Management Index
50%
Status: Caution

A score above 70% indicates that character, experience, and leadership support the credit extension.

Estimated Working Capital Gap
₹525.00 Lacs
Based on Chemicals / Auto Ancillaries production metrics.
Industry Raw Material %65%
Operating Profit Margin10%
Total Operational Cycle7 Months
Conclusion

While individual figures provide the "size" of requirement, the Trust Index ensures the "quality" of the borrower.