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Why End-Use Verification Is Critical After Loan Disbursement
access_time 1782491400000 face CA N Raja
End-Use Verification: An Essential Part of Credit Monitoring Vinu: Once a loan is disbursed, isn't the bank's job largely complete? Manu: Not at all. Loan disbursement is only one stage of the credit cycle. Banks must ensure that the funds are actually used for the purpose for which they were sancti...
How to Analyze Related Party Transactions During Credit Assessment
access_time 1782405000000 face CA N Raja
Related Party Transactions: Red Flags for Credit Officers Vinu: While reviewing financial statements, I often come across the term "Related Party Transactions." Why do credit officers pay so much attention to them? Manu: Because transactions with related parties may not always happen on normal comme...
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...
