How to justify the declining sales trend of borrower? For sales manager/Relationship manager/Part-7
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- Опубликовано: 7 сен 2024
- Credit team has rejected the loan file due to decline in sales, Now what to do? You are a sales manager or relationship manager in the Bank and don't know how to convince the credit team to give loan to the borrower. Well then this video is for you.
Here in this video, We shall discuss and analyze the various reasons due to which sales may decline and we will try to find reasons and mitigates out of those reasons.
"Knowledge is Power" and if you obtain proper knowledge then surely you can present your case better before credit team and can have meaningful and logical discussions with both the client and the risk team.
So please watch the video till the end and please share it to the maximum people. Please like and comment on the video also in order to increase the visibility of the video across.
#financialanalysis #balancesheetanalysis #sales
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Hi friends, My name is CA Ankush Jain and i am a banker working as a area credit manager in one of the largest private sector bank in India. I have total working experience of around 10 years in the Industry. I am a CA (Chartered accountant), CS (Company secretary), B.com, M.com, CMA group 1 and UGC by qualification. Teaching is my passion and i love to teach. Therefore youtube is a great platform for me to fulfill my teaching dream.
In this channel, I am regularly making video on banking finance from last 3.5 years. I have made complete course for credit managers for working capital covering every topic. You can find all the details in the playlist section.
You can also join membership to get access to complex topics with exclusive videos for members, Access to telegram group to build network and resolve queries. Join by clicking on below link with just Rs. 199 per month
/ @ankushjain
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Excellent explanation sir.
Thank you
Hi
Excellent one and love the line " credit guys should also listen this" .
Sometimes different firms, with the same nature of business run from the same premises, just to divert volume in one single firm .
This view can be added in above
Thank you
Thank you so much sir, for this excellent and much-needed series on relationship managers. Your insights have been truly enlightening and educational."
Thank you
Its true👍
@@ankitsharma-bz5kv 👍👍
❤❤❤❤ thank you sir
Your welcome
Thank you so much for interesting topics this same question arrive in my mind but I left cases but tomorrow onwards I will justified cases and against to credit for declined my cases
Great 👍
Very informative thanks sir
Your welcome
How to match Gst turnover, Banking Turnover ?
Please make video for ABB program and GST program
Gst program video is already there. Will do for abb
Great Ankush Ji, Good explained with Hindi language -the language which gives deep insight to listener about topic
have taken membership also
Thank you
Very well explained sir 👏
Thank you
Can you explain this in the service sector case like infrastructure
Will try
Except for fresh orders in hand scenario
In rest cases if the sales is declined in qualatiative value than the existing working capital arrangements can easily manage the wc need of declined sales
Then how one can pursue the w.c product except it is a secured one
Hi yuvraj, pl note that cases gets rejected even for plain takeover and moreover if client is proposing any concrete evidence of enhancement requirement then even enhancement gets rejected.. thus have explained the same that the such dip in sales should be allowed by credit
@@AnkushJain noted ankush ji
@@yuvraaj506 👍👍
Sir, is charge on current assets mandatory while providing facility of OD & DOD, or charge on current assets is only taken on CC facility, pls confirm
Not mandatory. It is internal call or policy of the bank so it depends on it
Quantity wise sales kaha milega sir
Client se ya tax audit report se.. gst karza se bhi mil jata hai
Hi sir, few clarifications are sought on:
1. How to know the no. of units sold? Can't rely all the time on face value of what applicant have told.! Any suggestions? Can GST Karza help in a way?
2. Illness and medical reason cited by client- To substantiate that can we ask for any document to establish the fact? Moral dilemma to ask that?
1. Take docs from borrower and also cross check the price fluctuations from similar customers in market and vet the borrower story. Further u can also take the invoice copy of two different price times of same product to vet the fall in price
2. Asking for document will not look good on our part.. we should try to do nearby ref. Check to vet the story. As neighbour in markets must be aware about this also
Sir cash flow kha se dekhege
Profit and loss account se
@@AnkushJain sir PL account mai kaha dekhega mtlb kun se head mai
Sir, client QR code ke through bhi payment receive karta h, but wo saving account se link h, that's why there is only 52% churing is in there current account, is it concerning?? as credit is rejected the same..
Yeah client should link his firms account
Ok sir, kya hum saving account me receive payment ko as sales consider nhi karenge??
@@TheSuresh2022 no this is not allowed
Ok sir
Ye maine try Kiya tha, aor aaj job chhodni padi
Kya try Kia tha 🫣🫣