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Evaluating Seasonal Businesses: Challenges for Credit Officers
access_time 1782145800000 face CA N Raja
Credit Appraisal of Seasonal Businesses: Beyond Ratio Analysis Vinu: Manu, not all businesses earn revenue uniformly throughout the year. How do bankers evaluate businesses that operate only during certain seasons? Manu: Seasonal businesses require special attention, Vinu. Their sales and cash flows...
The Importance of Banking Conduct in Loan Appraisal
access_time 1781627400000 face CA N Raja
Banking Conduct: The Financial Character Report of a Borrower Vinu: When assessing a loan proposal, banks spend a lot of time reviewing account statements. Why is banking conduct so important? Manu: Because banking conduct provides a real-world picture of how a borrower manages money. Financial stat...
Common Documentation Errors That Delay Loan Processing
access_time 1781454600000 face CA N Raja
Loan Documentation Pitfalls Every Borrower Should Avoid Vinu: Many borrowers complain that loan processing takes longer than expected. Is documentation a major reason? Manu: Very often, yes. A large number of loan delays occur not because of credit issues, but because documents are incomplete, incon...
Why Bank Statements Reveal More Than Financial Statements in Credit Assessment
access_time 1781281800000 face CA N Raja
Why Bank Statements Reveal More Than Financial Statements in Credit Assessment Vinu: Manu, while assessing loan proposals, I often notice senior bankers giving a lot of importance to bank statements. Why are they considered so valuable? Manu: Because bank statements show the actual flow of money, Vi...
Fraud Detection in Loan Accounts: Practical Red Flags from a Banker’s Lens
access_time 1777739400000 face CA N Raja
Fraud Detection in Loan Accounts: Red Flags Every Banker Must Watch Vinu: Manu, in real lending scenarios, where do fraud risks usually begin? Manu: At the appraisal stage itself—when data is accepted without verification. Fraud rarely starts later; it is often missed early. Vinu: What is the first ...
