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Transition from Relationship Manager to Credit Analyst: Skills Bankers Must Build
access_time 1768840200000 face CA N Raja
Transition from Relationship Manager to Credit Analyst: Skills Bankers Must Build Vinu: Manu, many relationship managers want to move into credit roles. Why is this transition challenging? Manu: Because relationship management focuses on growth and client comfort, while credit analysis focuses on ri...
Lending to MSMEs: Risk, Reward, and Reality on the Ground
access_time 1768753800000 face CA N Raja
Lending to MSMEs: Risk, Reward, and Reality on the Ground Vinu: Manu, MSME lending is often called the backbone of banking, but also the riskiest segment. Why is that? Manu: Because MSMEs offer high yield and growth, but risks are concentrated. Cash flows are volatile, records are informal, and busi...
Understanding Stock Statements: Detecting Inflation and Window Dressing
access_time 1768667400000 face CA N Raja
Understanding Stock Statements: Detecting Inflation and Window Dressing Vinu: Manu, stock statements are submitted every month, but why do banks treat them so seriously? Manu: Because stock statements decide drawing power. If stock is inflated, the bank ends up funding non-existent assets. Vinu: Wha...
Financial Ratios That Actually Matter in Credit Risk Assessment
access_time 1768321800000 face CA N Raja
Financial Ratios That Actually Matter in Credit Risk Assessment Vinu: Manu, there are dozens of financial ratios. But in credit appraisal, which ones actually matter? Manu: Only those that answer three core questions: liquidity, leverage, and repayment capacity. Everything else is supportive. Vinu: ...
Cash Flow vs Profit: Why Profitable Businesses Still Default on Loans
access_time 1768235400000 face CA N Raja
Cash Flow vs Profit: Why Profitable Businesses Still Default on Loans Vinu: Manu, I often see borrowers showing good profits but still defaulting on loan repayments. How does that happen? Manu: Because profit is an accounting concept, while loan repayment depends purely on cash flow. A business can ...
