Gold medalist for two consecutive years (1973 & 1974), the author is
a banker having 38 years of experience in credit and continues as a
guest faculty for all subjects specifically on credit appraisal, analysis of
financial statements, working capital finance and Risk management
in various banks across India and Universities like Sharda University and Amity
University for more than 10 years. He has worked at Oriental Bank of commerce
and made substantial changes in credit policy of the bank; keeping in view the
difficulties faced by the field functionaries and framed credit risk management
policy during the period 2005-08.
His debut book “Working Capital Management & Finance” has internationally been
A graduate in B.Tech (Hons) Information & Technology and MBA
(operations) from IIM-Kozhikode (2011), he currently works as a
Solution Architect for ERP solutions handling large projects across the
globe. With more than one and half decade experience in software
engineering and management across the industry domain, he is an avid reader with
key interest in technology and operations.
This is the first book for bankers and finance managers on credit appraisal
with analysis of financial statements in very simple language covering
various problems being faced by the officers of almost all banks specifically
after introduction of Company Act 2013. The book has been updated to
30.06.2017. Mounting NPAs & disciplinary actions in the banks are reported
to be a result of weak appraisal. This book has covered all such aspects to
understand logically with all i...