Kishorilal, a valued SME customer, had come to the branch to invite the Branch Manager for his daughter’s wedding. The invitation card came with a box of dry fruits and dripped wealth. When Kishorilal met Rajaram, Relationship Manager (RM), Rajaram congratulated him and assured Kishorilal that he would attend the marriage at Raipur, Kishorilal’s hometown. As soon as the borrower left, Rajaram punched the invitation card and filed it with the loan documents. Manoj, the new Support Officer (SO), asked Rajaram why he was filing the invite with loan documents.

Rajaram smiled and said, ‘Manoj, this invite is an authentic document, and none of the information in this card, say, the names, contact details, etc, will be wrong. Kishorilal’s account is showing a few ‘early warning signals’ and if I require to send a legal / SARFAESI notice, this document will help me. I propose to seek the Branch Manager’s permission to attend the wedding for inspection purposes. I want to know more about Kishorilal’s reputation in his hometown, his unencumbered assets and his current repayment capacity.’


Rajaram also told Manoj as to how, years ago, as a SO, he had, just by looking at the stock statement closely, found that the quantum of debtors reported within three months’ cover period, was more than the sales clocked by the unit in the last six months.


The RM added that even in a consortium account, as a leader especially, the bank should not take for granted the proportionate routing of sales through each member bank, but verify it through scrutiny of statements of accounts. Rajaram smiled and said that Manoj would do well to pay attention to EWS. 

‘Early warning signal means?’ Manoj asked.
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