GERIC

The Credit Risk Management - GERIC, is responsible for all credit analysis from the bank in order to verify if the companies have the ability to pay particular request financial transaction.

This verification is guided through a series of documents, which in turn, the financial institution will consolidate, analyze, and through strict criteria to define what is the credit limit that the company will close the case.

Why is it so difficult?

We know that only 1.5% of small and medium-sized construction companies have the Geric. This shows that get this facility as desired by companies is an almost impossible task, ballast analysis, restrictive requirements, strict and almost unattainable criteria that ensure such an operation aiming to ensure timely payments, eliminate almost all who venture this harvest by awaited obtaining Geric.

In addition, for not being the "core business" of the companies trying to meet alone box patterns and in turn be "Gericadas" end up dipping into a raging sea and turbulent, full of channels where not everyone can navigate, so without access to these channels the process becomes exhausting and fruitless. It is actually a job for specialists with significant penetration to these channels.

We can not forget the deadlines, always too tight to allow no mistake, after delivery of the requested documents, Caixa has 30 days to review them, however, if there are errors or distorted or inconsistent data, the whole process will be lost and must If back to square one.

There is another important factor inherent in this operation, the fact that anyone who reviews and approves all are public servants, therefore, its focus is not the success of obtaining the requested loan, but the fulfillment of the bank's bureaucracy.

The beginning of the process

It all starts with the opening of current account Corporate in Box, then rises the numerous documents requested, with updated information of up to 90 days.

The Geric seeks to identify the financial health of the company through various documents, balance sheet, notes, etc. aggregates to these documents, there are several spreadsheets related to the history of construction in progress, already delivered, to start, etc. chart demonstrating the company's debts, table showing cash flow, technical sheets related to actual work, these will be analyzed by a box construction engineering sector.

There are several documents to be analyzed, which are basically divided into three sections, Legal, Bus / Financial and Works, among them we can highlight the registration form with detailed information about the company, its partners and its directors, financial statements, board debts, frame-economic financial and organizational information, table of available information, descriptive memorials, supplementary data sheet, the project summary form (FRE), the land information document, spreadsheet budgets, discriminating budget and budget summary , physical and financial schedule, lifting spreadsheet Services (PLS).

• What we offer
• Expertise to obtain and review of all documents in the case;
• Expertise to standards adopted by Caixa, providing speed, reliability and security in the preparation thereof;
• Solid relationship and penetration with the Federal Government.