Documentos de Académico
Documentos de Profesional
Documentos de Cultura
Copia de Copia de Programa de Revisión Focalizado CI Rev GNAI
Copia de Copia de Programa de Revisión Focalizado CI Rev GNAI
A. NORMATIVA VIGENTE:
1. Políticas de Crédito y Servicios de Desarrollo Versión 8.2 del 25/11/2015
2. Reglamento de Créditos Versión 9.1
3. Manual de procedimiento de servicios crediticios y servicios de desarrollo Versión 2.0 del 13/07/2015
4. Manual de Procedimientos de Administración de Caja y Bóveda Versión 5.0 del 03/08/2015
5. Instructivo para la entrega, manejo y control de recibos de efectivo V.1.1 del 10/08/2015
6. Manual de Procedimientos de Cobranzas Versión 2.0 del 20/07/2015
7. Otras Relacionadas
B. ALCANCE:
Verificación del cumplimiento sobre el adecuado control y seguimiento de los créditos con retraso en el pago (Vigentes) de sus cuotas y la integridad de la información declarada en los Formularios de evaluación y documentación de respaldo a la fecha
de revisión.
C. CRITERIOS:
Criterios para la selección de ACI´s a visitar*
Se debe seleccionar a un ACI/Créditos a visitar, considerando los siguientes criterios: (Ver Anexo A)
1.- Primer Criterio: - Creditos Vigentes con mayor cantidad de días en el retraso de sus cuotas, según base
de Cartera generada por la GTIC "Préstamos Codeudores Garantías para Auditoria"
- Complementario al Primer Punto: Cartera en Mora (Vencido, Ejecución y Castigado) DEBERIAMOS CAMBIAR POR TEMA DE RECIBOS
- Complementario al Punto: Apropiaciones Indebidas identicadas en las Sucursales (Agencias)
Nota,- No considerar la muestra seleccionada por la GNR, en las visitas de supervisión (Discriminar).
- Relación de Parentesco del ACI con el Cliente, según file de personal (Ceritifcado de
matrimonio, EN LA BASE DE DEUDORES Y CODEUDORES
Actividades en Visita con el Cliente
De las visitas efectuadas, Si Aplica en caso de existir indicios o suceptibilidad respecto al crédito
Manual de Procedimientos de Administración de Caja y Bóveda Versión 5.0 del
concedido al Cliente, solicitar en la Agencia los Talonarios de Recibos Devueltos por los ACI´s
03/08/2015
(F-2009), para contrastar la información registrada en el recibo, respecto al pago efectuado en el
2
extracto de préstamos y poder validar que la mayoría de los pagos fueron amortizados por el ACI,
Instructivo para la entrega, manejo y control de recibos de efectivo V.1.1 del
para poder relacionar que el credito fue solicitado por el mismo o que existe algun tipo de
10/08/2015
vinculación con el Cliente.
T/R
SI Cumple
NO No Cumple
OBS Cumple Parcialmente
N/A No Aplica
Anexo N°3
Preparado por: IFB, marzo 2016
Aprobado por: GLA, marzo 2016
ALCANCE DE
REVISIÓN
Conforme muestra
seleccionada
CRECER - Crédito con Educación Rural
Gerencia Nacional de Auditoria Interna
Sucursal XXXX
Base de Datos Al 31 de Marzo de 2016
REFER
Agencia ACI Nº de Nº de
Saldo Bs Saldo Bs
CI CI
T/R
Tabla Dinámica N° 1
Tabla Dinámica N° 2
Tabla Dinámica N° 3
REFERENCIAL CRITERIO PRIMARIO
Cartera Productividad
% Desviación Concentración de Cartera
Créditos (18 Créditos
INFOCRED Riesgo
Paralelos Heredada por Generada por por mes Aprobación Aprobación
Adicional
el ACI el ACI aprox.) Agencia Sucursal
Anexo A
tasa fecproc
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Anexo C
FORMULARIO DE VISITA - CRÉDITO INDIVIDUAL
Fecha:…………………..
Datos Generales Elaborado por: …………
1 Nombre del Deudor y Co deudor (si aplica):
2 Estado Civil:
3 Ubicación del domicilio actual y tiempo de recidencia:
4 Ubicación del negocio actual y tiempo de la recidencia:
5 Actividad actual del prestatario y experiencia en esta:
6 Agencia en la que solicitó y nombre del ACI que otorgó el crédito:
7 Destino del préstamo según cliente(detallar):
17 Razones por la cual entró en mora (incluir desde que fecha aproximada):
20 En caso de entrega de efectivo del cliente al ACI, indique los siguientes datos:
Total (*)
(*) Sujeto de respaldo y cruce con sistema de Cajas y Cartera
Comentarios:
Nombre y fFrma del Cliente o Entrevistado Nombre y Firma del Auditor Interno
ACLARACIONES:
Corroborar mediante preguntas abiertas el dato, relacionando el tema con número de dependientes
Verificar si la dirección registrada es verdadera, verificar si en caso de cambio tiene conocimiento el ACI
Verificar si la dirección registrada es verdadera, verificar si en caso de cambio tiene conocimiento el ACI
Verificar si la información de la carpeta es real y completa o si enc aso de cambio de actividad, tiene conocimeinto el ACI
Sujeto de verificación en reporte de asignación de créditos a cargo del jefe de Agencia. Permite relacionar la dirección del domicilio y de
micilio y de la actividad respecto a la agencia en la que se ha solicitado, estas deben ser coincidentes