In the midst of this correspondence, due to lack of clarity on what exactly you need and also due to limitations in Excel templates used by credit consultants, you again get revised proposals this time with new gaps.
Most of those changes pertain to non-compliance of sanction terms like non-infusion of envisaged capital, lack of minimum NWC, etc.But your experience must have given ample proof that no proposal comes error-free. Bankers do not prepare CMA data- the data is already submitted by companies and they have to just analyse them.Credit officers and bankers working in advances must also have experienced difficulties of a different kind.
