The account manager of the business department (the initial classifier) makes the initial classification (specifically responsible for: carrying out post-credit inspection, collecting classification information, filling in the classification file, and making the initial classification of the loan in accordance with the classification standard) → the head of the business department signs the opinion → the results of the initial classification and the reasons will be reported to the risk management department (the person who determines the classification) for classification and determination (specifically responsible for: making a strict examination of the actual situation explanation information of the customer and related file information provided by the initial classifier) (Specifically responsible for: a strict review of the information on the description of the actual situation of the customer, the reasons and results of the initial classification and the relevant archival materials provided by the initial classification personnel, and the review of the classification opinion after the audit is correct) → the head of the Risk Management Department signing the opinion (the person in charge shall carefully review all the information and the results of the initial classification and the determination, such as the results of the initial classification and the determination of the results of the discrepancy, the determination of the person and the initial classification of the person may take the form of exchanging views or a collective discussion to solve the problem, but the final results of the responsible person (Responsible for) → the first case: the relevant personnel on-line maintenance of the results of the determination → the second case: beyond the classification of authority at this level need to be reported to the parent bank for approval.
Five-level classification workflow diagram:
Preliminary
Determination
Sub
Classification
Recognition
Results
Determination
Results
Disagreement
Indeed
Attachment: Five-level classification Illustration of operating procedures: .doc