Post-Sanction Monitoring: The Monthly Checklist Every Banker Must Follow Vinu: Manu, once a loan is sanctioned, what should a banker actually track every month? Manu: Three things—account conduct, cash flow behaviour, and compliance with sanction terms. Vinu: Let’s start with account conduct. What d...
Term Loan Appraisal Mistakes: Why Good Projects Turn into Bad Loans Vinu: Manu, while appraising term loan projects, where do bankers usually go wrong? Manu: The first mistake is trusting the project cost and estimates blindly, without validating quotations, capacity and market reality. Vinu: Can yo...
Fund Flow Analysis for Bankers: How to Track Long-Term Financial Health Vinu: Manu, bankers focus a lot on cash flow. Why is fund flow analysis still important? Manu: Because fund flow explains movement of long-term funds. It shows how funds were sourced and how they were applied over time. Vinu: Le...
CMA Data Analysis for Bankers – A Practical Step-by-Step Guide to Avoid Credit Mistakes Vinu: Manu, CMA data often scares new credit officers. What is its real purpose? Manu: CMA data converts financial statements into a structured credit view. It helps assess working capital need, funding gap, and ...
Working Capital Assessment in Branch Banking – Practical Challenges and Real-World Risks Vinu: Manu, working capital assessment looks simple on paper, but branches struggle in practice. Why? Manu: Because theory assumes clean data, while branches deal with incomplete records, tax-optimized financial...