Launch your Graphy
There are no items in your cart
Add More
Add More
| Item Details | Price | ||
|---|---|---|---|
How to Assess Customer Concentration Risk in Business Borrowers
access_time 1782232200000 face CA N Raja
How Credit Officers Evaluate Customer Concentration Risk Vinu: Manu, while reviewing credit proposals, I often come across the term customer concentration risk. Why is this considered important? Manu: Because excessive dependence on a few customers can threaten the survival of a business, Vinu. If a...
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...
