“Credit is technical.” “Credit is all about ratios, formats, and policy.” “Credit is a desk job. I can’t do it. It’s really tough.” That’s what I believed when I started.…
#CreditInsightsWithSangeeta | Day 29 As a credit officer, understanding how to size working capital using the operating cycle can greatly improve your lending decisions. Instead of just looking at turnover…
Working as credit professionals in a public sector bank and dealing with MSMEs (Micro, Small, and Medium Enterprises), over the years i have learnt that traditional methods like credit scores…
In credit appraisal, hearing “audit is done — remarks are normal” or “no major issues found — all OK” after a stock audit or account conduct review is common. But…