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Sections

8 of 8 enabled · about 2,760 words · CCB house style

  1. 1
    about 320 wordsCite every figureMandatory under CCB policy 3.1
  2. 2
    about 280 wordsCite every figure
  3. 3
    about 260 wordsCite material claims
  4. 4
    about 520 wordsCite every figureMandatory under CCB policy 3.1
  5. 5
    about 300 wordsCite every figure
  6. 6
    about 380 wordsCite every figure
  7. 7
    about 420 wordsCite every figureMandatory under CCB policy 3.1
  8. 8
    about 280 wordsCite material claimsMandatory under CCB policy 3.1

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Annexures

  • Annexure A — Financial spread
  • Annexure B — Cross-verification evidence
  • Annexure C — Charge and security schedule

Live preview — Northwind Manufacturing Ltd

The seeded memo rendered in the draft template, in the current order and tone.

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Continental Commercial Bank · Corporate and Commercial Credit · CAM template v4.2

Credit Appraisal Memorandum — Northwind Manufacturing Ltd

CAM-2026-0418 · Cash Credit enhancement to INR 18.50 cr and LC/BG INR 6.75 cr · Pune Corporate Branch · prepared by Elena Rossi

1. Borrower and Group Profile

Northwind Manufacturing Ltd is a public limited company incorporated on 14 August 2009 under, with its registered office and principal manufacturing unit at Chakan MIDC Phase II, Pune district, and a second unit at Bhosari. The company is registered for GST under and holds LEI 894500XYZ7NORTHWIND12, valid to 31 March 2027. It manufactures precision machined components and sub-assemblies for tier-1 automotive and off-highway equipment makers.

Constitution
Public limited, incorporated 14 August 2009
Industry
Precision machined components, tier-1 automotive supply
Group
Northwind Logistics Ltd (transport, related party)
Banking since
March 2017, Pune Corporate Branch

Cite every figure · target 320 words · citations in line

2. Facility Requested and Purpose

The borrower has requested an enhancement of the existing Cash Credit limit from INR 12.20 cr to INR 18.50 cr, together with a non-fund LC/BG line of INR 6.75 cr, taking total proposed exposure to INR 25.25 cr. The existing limit was last sanctioned on 30 August 2025 and is due for annual review on 31 August 2026.

Existing
CC INR 12.20 cr, sanctioned 30 August 2025
Proposed
CC INR 18.50 cr + LC/BG INR 6.75 cr
Total exposure
INR 25.25 cr
Security
First pari passu on current assets, collateral INR 11.40 cr

Cite every figure · target 280 words · citations in line

3. Banking Conduct

Conduct of the Cash Credit account with this bank has been satisfactory. Average utilisation of the INR 12.20 cr limit over the last twelve months is 91.4%, with 27 days above 95% and no continuous overdrawing beyond three days. Interest and charges have been serviced on the due date in every month, and no cheque return has been recorded in the assessed window.

Average CC utilisation
91.4% over twelve months
Bureau rank
CIBIL CMR-4, no overdues in 24 months
Cheque returns
Nil in the assessed window
Other lenders
Horizon Bank charge satisfied 18 February 2025

Cite material claims · target 260 words · citations in line

4. Financial Analysis and Ratios

Turnover has grown from INR 96.42 cr in FY2023 to INR 118.74 cr in FY2024 and INR 142.31 cr in FY2025, a three-year CAGR of 21.5%. EBITDA has grown in absolute terms to INR 15.58 cr but the margin has compressed from 11.6% to 10.9% as material costs and freight have risen faster than realisations. Profit after tax is INR 6.94 cr, a net margin of 4.9%.

Turnover FY2025
INR 142.31 cr, up 19.8%
EBITDA FY2025
INR 15.58 cr, margin 10.9%
TNW / Total debt
INR 33.08 cr / INR 37.05 cr
Current ratio
1.28x against a 1.20x floor

Cite every figure · target 520 words · citations in line

5. GST and Bureau Findings

Cite every figure · target 300 words · citations in line

6. Cross-Verification Results

Cite every figure · target 380 words · citations in line

7. Risk Assessment and Rating

On the financial score alone the model places the borrower at CCB-3: growth is strong, leverage and coverage are inside policy, and the conduct record is clean. The evidence-quality overlay in the rating model applies a one-notch downgrade where a serious cross-verification finding is open or accepted, which produces a first-cut rating of CCB-4 (watch).

First-cut rating
CCB-4 (watch), one notch below the financial score
Weighs against
Turnover discrepancy and undisclosed obligation
Weighs for
21.5% CAGR, clean conduct, collateral cover

Cite every figure · target 420 words · citations in line

8. Recommendation

Recommended for sanction of the Cash Credit enhancement at a reduced limit of INR 15.80 cr rather than the INR 18.50 cr requested, together with the LC/BG line of INR 6.75 cr, pending the borrower's reconciliation of declared turnover. The reduced limit is the drawing power supported by independently evidenced turnover; the balance of INR 2.70 cr may be released on the committee's satisfaction with the reconciliation.

Recommended limit
CC INR 15.80 cr + LC/BG INR 6.75 cr
Against requested
CC INR 18.50 cr, reduced by INR 2.70 cr
Conditions
Five, including turnover reconciliation in 30 days

Cite material claims · target 280 words · citations in line

Annexure A — Financial spread · Annexure B — Cross-verification evidence · Annexure C — Charge and security schedule

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