While sanctioning loans certain conditions are stipulated for fulfillment from the borrower's end, and branch-head of a bank are entrusted with the responsibility to monitor if the proposed borrower is complying with those terms and conditions before allowing drawal of the loan. In my organization an officer is found to have violated the very policy of loan. The organization is willing to give him a memo, calling explanation of his unruly action. A model format of such memo is invited from any learned friend. Conveying thanks in anticipation......Somnath
From India, Burdwan
From India, Burdwan
Dear Somnath,
The proposed the draft could be as below:
+++++
Date: -
To,
Mr ____________ (name of the officer)
Employe No: ___________________
1. Reference is made to the allotment of loan to Mr/Ms ______________ (name of the borrower) bearing borrower No ____________ (quote here some reference number).
2. You are entrusted with the responsibility to ensure that proposed borrower is complying with the terms and conditions before allowing withdrawal of the first instalment of the loan. However, while allotting loan in the above mentioned case, this was not done and your action/decision violates of Clause No ______, Paragraph No _______ of Policy on ____________.
3. You are hereby directed to explain your conduct on receipt of this letter. Your explanation must reach within 48 hours on receipt of this letter. If no explanation was received, or if the explanation was not found satisfactory, administration of _____________ (name of your company) is free to take disciplinary action against you.
_______________ (signature)
_______________ (name)
_______________ (designation)
+++++
Note: - Make suitable amendments wherever necessary.
Thanks,
Dinesh Divekar
From India, Bangalore
7855The proposed the draft could be as below:
+++++
Date: -
To,
Mr ____________ (name of the officer)
Employe No: ___________________
Violation of Policy on ________________
1. Reference is made to the allotment of loan to Mr/Ms ______________ (name of the borrower) bearing borrower No ____________ (quote here some reference number).
2. You are entrusted with the responsibility to ensure that proposed borrower is complying with the terms and conditions before allowing withdrawal of the first instalment of the loan. However, while allotting loan in the above mentioned case, this was not done and your action/decision violates of Clause No ______, Paragraph No _______ of Policy on ____________.
3. You are hereby directed to explain your conduct on receipt of this letter. Your explanation must reach within 48 hours on receipt of this letter. If no explanation was received, or if the explanation was not found satisfactory, administration of _____________ (name of your company) is free to take disciplinary action against you.
_______________ (signature)
_______________ (name)
_______________ (designation)
+++++
Note: - Make suitable amendments wherever necessary.
Thanks,
Dinesh Divekar
From India, Bangalore
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