Tag: Credit risk

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Understanding Liquidity Assessment for Credit Risk – PART 2 (NWC)

Understanding Liquidity Assessment for Credit Risk – PART 2 (NWC)

Even after we have taken due care of matching correctly graded current assets to current liabilities, the business eventualities, customer behaviour a [...]
Understanding Liquidity Assessment for Credit Risk- PART 1 (Current Ratio)

Understanding Liquidity Assessment for Credit Risk- PART 1 (Current Ratio)

Liquidity assessment using Current Ratio is a powerful tool and a staple for credit risk analysts . But it has its limitations. In this three part ser [...]
How many Credit Covenants are necessary in a Sanction Letter?

How many Credit Covenants are necessary in a Sanction Letter?

While there are no set parameters on how many credit covenants should be there in a Sanction Letter, one has to keep in mind that ratios tend be inter [...]
How WFH impacts the Risk Management culture in Banks?

How WFH impacts the Risk Management culture in Banks?

Many in the banking industry have talked about the amazing cost savings that WFH brings. But beyond some savings, there are many costs we may have pai [...]
Lessons from Greensill’s insolvency: Nothing to do with Supply Chain Finance

Lessons from Greensill’s insolvency: Nothing to do with Supply Chain Finance

Greensill Capital, a UK based SCF company, filed for insolvency early this month. The company’s SCF business was ostensibly built on ‘Reverse Factorin [...]
Will it remain a lender’s market for long!

Will it remain a lender’s market for long!

Market is rejoicing that credit growth is back. But it was not the doing of the banks. Instead it seems to be lender's market with long wait for credi [...]
Credit Evaluation: How much information is Enough?

Credit Evaluation: How much information is Enough?

How much information is enough for credit evaluation? For a streamlined process a delicate balance needs to be maintained between timeliness and need [...]
SME Financing – Opportunity for Alternate Channels

SME Financing – Opportunity for Alternate Channels

MSMEs seem to be showing the expected resilience and regaining market's interest. Sumit Kakkar explains some of the constraints faced by MSMEs and how [...]
Critical Thinking in Credit Risk: Avoid these Fallacies

Critical Thinking in Credit Risk: Avoid these Fallacies

Critical Thinking concepts can help build a robust credit risk culture that relies on logic and objectivity and minimises biases. Amit Balooni shares [...]
Credit Sense – Approach and Perspectives

Credit Sense – Approach and Perspectives

Risk officers and Relationship managers are always at each other’s throats owning to difference in their perspective, often missing out what lies beyo [...]
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