Credit 360 appraisal disubersement monitoring and recovery

As a banker very elementary and deep rooted umpteen questions in the area of credit come to the fore. Similarly several enigmatic situations have to be faced while handling credit portfolio and we are lost. At Promotion or IIB exam time or while facing the Interview we require answers to several questions on credit. Here is the book to answer all your queries to guide and show you a way out to face all these situations. Just flip through the pages of this book read and be assured that should do it. Some of Common quries quoted below - • I am a Science student my BM is asking me to put up a proposal. How am I to read Balance Sheet P/L statement Funds flow statement & work out various ratios and put up the Process note ?• How am I to undertake the Due diligence and is there any questionnaire for conducting an interview ?• What is meant by sanctioning and discretionary powers ?• What are my duties and responsibilities as a recommending and sanctioning authority ?• What are the different methods for appraising the WC finance and which method I should apply to this borrower ? • How to prepare a Term Loan proposal ? What is SWOT and Sensitivity analysis in an appraisal ?• The NWC of the company has gone down how I should interpret and justify ?• How to interpret various ratios ?• A customer desires to export his goods and asking me about the credit facilities how am I to handle ? • What precautions I should take while issuing a BG ? • An L/C is received in a SWIFT format at my branch what I should do ?• To extend a Loan against LIC policies what documents I should obtain ?• Two partners are staying outside the State and would sign the documents there on different days how I should tackle ?• What precautions I should take while extending H/L verifying the Title deeds & creating E/M ? • My BM has allotted 3 units for stock inspection how am I to carry it out ? • How should I detect the diversion of funds and take remedial steps ? • How can I get full insight into the monitoring aspects ? • What are the prerequisites for filing a claim with CGTMSE and ECGC ? • Several times I am listening about accountability what it means and how to get rid of the unpleasant action ?