Retail Credit Policy
A professionally drafted Retail Credit Policy for banks, deposit-taking institutions and finance companies, covering credit risk appetite, origination and portfolio management. Global edition — written to international standards (Basel Committee, FATF, ISO, COSO, NIST and FSB) and deliberately jurisdiction-neutral, with bracketed prompts marking the points where your local law or regulator's requirements must be inserted. Supplied as a fully editable Microsoft Word document, de-identified and ready to adapt to your organisation. Typical owner: Chief Risk Officer; approval: Board Risk Committee.
| Typical owner | Chief Risk Officer |
|---|---|
| Typical approval | Board Risk Committee |
| Length | ~7,520 words (approx. 19 pages) |
| Last reviewed | July 2026 — verify currency for your circumstances before use |
| Format | Microsoft Word (.docx), fully editable |
| Delivery | Instant download after purchase; re-download any time from your account |
| Licence | Single-organisation licence |
| Guarantee | Materially defective or misdescribed? We'll resupply, replace or refund within 30 days — see Terms |
Preview the first 6 pages (PDF) See the real cover, document control page and opening sections before you buy.
What's inside
- Contents
- 1. Purpose
- 2. Scope
- 3. Definitions
- 4. Regulatory Framework
- 5. Policy Statement and Credit Principles
- 6. Product Credit Criteria and Borrower Eligibility
- 7. Serviceability Assessment
- 8. Verification Standards
- 9. Credit Scoring and Automated Decisioning
- 10. LTV Limits and Mortgage Insurance
- 11. Security and Valuation
- 12. Credit Decisioning, Exceptions and Overrides
- 13. Arrears, Collections and Hardship
- 14. Roles and Responsibilities
- 15. Reporting and Escalation
- 16. Breaches of this Policy
- 17. Training and Awareness
- 18. Review of this Policy
- Appendix A: Minimum Verification Evidence Matrix
- Policy Administration