"It was a wonderful experience interacting with you and appreciate the way you have planned and executed the whole publication process within the agreed timelines.”
Subrat SaurabhAuthor of Kuch Woh Pal
This book is meant for the new Relationship Managers (RM), Assistant Relationship Managers, Credit Analysts and trainees of banks working in the Corporate Banking units of banks to serve them as a reference guide for preparation of limit applications for approval. It would help them to understand various risks that can affect a company and also the post approval monitoring of the accounts. It provides an overview and is not meant to make the RM an expert on any industry or lending which comes from experience for which he will have to study the industries and develop himself. I have also included self-explanatory checklists that can be of help. As there could be staff transferred from Personal Banking or Operations to the Corporate Units I have added a blank spreadsheet with definitions of some basic components and the products offered for ready reference. I have therefore kept it very simple to understand. When I worked in banks I had no reference book and had to pick up things on my own. That is what prompted me to write this book.
Kamal Kumar Tumuluru
The author has over forty years’ experience in industry and banking. He has worked in two international banks, a development finance institution and two manufacturing firms. He worked in India, Singapore, Indonesia, Africa and the Middle East. He held senior positions Corporate Banking, Credit, Audit, and was also involved in due diligence for acquisition of several banks. He has dealt with banks and financial institutions while working for companies. Post retirement he has been training bank staff and has also been involved in developing some competency testing modules for a rating agency and training bank auditors to review credits.
