Credit administration and credit controls are the two key components in the active management support of the frontline credit processes of making individual loans and client management. This note demonstrates the ways to organise a Credit Administration Unit (CAU), when an organisation grows in terms of volume and outreach. Contextualising the growth scenario, the note outlines regulatory requirements and geographical expansion as key reasons that lead to implementation of credit administration and control. It highlights the essential components of a lending institution’s credit roles and summarises factors for right credit administration and controls. The note also puts forward the staffing pattern and delves into roles and responsibilities of the staff in CAU.

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