Breaking Into Credit: A Service Officer’s Roadmap to a Banking Career Upgrade Vinu: Manu, I’m currently working as a service officer where I handle both sales and operations. But honestly, I want to move into the credit department. Any idea how I can go about it? Manu: That’s a great move, Vinu. Cre...
How Bankers Decode Quarterly Results: A Practical Guide with Vinu & Manu Vinu: Manu, companies have started releasing their quarterly results. But the information is very limited. How do banks actually evaluate these results? Manu: That’s a good question, Vinu. Even though quarterly results are limi...
How to Assess Working Capital Needs Using Only GST Returns: A Practical Guide for MSME Lending Vinu: Manu, in many small business loan proposals, audited financials aren't available. Can we assess working capital just using GST returns? Manu: Definitely, Vinu. GST returns, especially GSTR-1 and GSTR...
How to Verify Capital Infusion Before the Balance Sheet is Ready: A Banker’s Checklist Vinu: Hi Manu. We had stipulated a condition to one of our corporate borrowers to infuse additional capital. We gave them three months for compliance. Now they’ve submitted a letter saying that capital has been in...
Auditing Cash Credit AccountsHow Bank Auditors Can Detect Fund Diversion in Cash Credit Accounts Vinu: Manu sir, as a bank auditor, I’ve been hearing that there’s increasing accountability on auditors now—especially when it comes to identifying fund diversion in cash credit accounts. Can you please ...