Hands On Credit – Doing It Yourself

Hands on Credit — Doing It Yourself is a compact, action-focused manual that transforms credit theory into operational practice. Organized around the lending lifecycle, the book starts with borrower screening and product selection, then gives detailed modules on financial statement analysis, cash-flow modelling, collateral valuation and constructing borrower scorecards. The underwriting section supplies fillable templates for credit proposals, covenant drafting, documentation checklists and risk-grading matrices. Post-sanction chapters cover monitoring (covenant testing, surveillance dashboards, site verifications), early warning indicators and remedial options including restructuring and settlement negotiation. A practical recovery module explains legal and non-legal remedies, SARFAESI/secured creditor steps (jurisdictional note), forbearance frameworks and workout checklists. Each chapter includes worked case scenarios, sample forms (sanction letters, repayment trackers), quick-reference cheat sheets and a one-page “decision flow” to speed frontline action. Designed for banks, NBFCs, microfinance institutions and SMEs managing in-house credit, the book enables consistent underwriting, better monitoring and faster, more defensible recovery outcomes.