Working Capital loan , such as Cash Credit etc., is renewed every year. A Term Loan is Reviewed Every Year. Renewal / Reviewal imposes responsibility on Bankers to be competent in their skills, as much as it is needed during Initial sanctioning and Disbursal of 'working Capital' / 'Term Lending'. Skills require honing. Get Confidence Level above 90 per cent in Appraising 'Working Capital' and in Appraising 'Project Lending'. Stay away from being questioned, if any thing goes wrong commercially. A Banker's acumen can not be challenged, if Lending is structured.
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