{"product_id":"the-fearless-credit-professional-credit-case-studies-checklists-and-credit-decision-frameworks-9798904514259","title":"The Fearless Credit Professional: Credit Case Studies, Checklists and Credit Decision Frameworks","description":"\u003cp\u003e • Author(s): Kumar Gaurav Khullar\u003cbr\u003e • Publisher: Notion Press\u003cbr\u003e • Publisher Imprint: Notion Press\u003cbr\u003e • BISAC: Finance - Financial Risk Management\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eEvery credit file that comes back to haunt you looked perfectly fine on the day it was approved.\u003c\/p\u003e\u003cp\u003eEvery credit officer learns one painful truth sooner or later: a credit decision is judged twice. First, on the day you sanction. Then, months later, when an audit, inspection, vigilance review, or a sudden stress event asks the only question that matters: what was your basis?\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eThe Fearless Credit Professional is written for that second day.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eFACT #1: \u003c\/strong\u003e Strong underwriting and clear credit notes turn border line proposals into safe, defensible business.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eFACT #2: \u003c\/strong\u003e Weak analysis and vague notes turn even good proposals into personal risk when an account slips.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eInside, you will work through the decisions that define a credit professional's reputation like: \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eHow to read CIBIL reports beyond the score: settlements, enquiry spikes, guarantor exposure, and behaviour trends.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eHow to scan bank statements for churning, round-tripping, and hidden EMIs.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eHow to triangulate GST returns, stock statements, and capacity to catch inflated turnover and DP padding.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eHow to frame clear first charge, pari-passu, and second charge structures and avoid common pitfalls.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eHow to conduct Personal Discussions that bring out the real business story.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eHow to write an audit-ready credit note that any senior, auditor, or vigilanceofficer can quickly follow.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eIf you want to sanction boldly, face any audit calmly, and build aproven track record of safe, profitable lending, start with this book.\u003c\/strong\u003e\u003c\/p\u003e","brand":"Notion Press","offers":[{"title":"Paperback","offer_id":47883016405143,"sku":"9798904514259","price":1372.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0666\/3471\/1191\/files\/9798904514259.webp?v=1781098833","url":"https:\/\/atlanticbooks.com\/products\/the-fearless-credit-professional-credit-case-studies-checklists-and-credit-decision-frameworks-9798904514259","provider":"Atlantic Books","version":"1.0","type":"link"}