Page 10 - RBS GRG F Case Study

In diagram 1, steps 1 to 3 would be under the oversight of

the customer’s normal ‘relationship manager’ (RM).

However, if during the customer “Watch” process
financial deterioration were detected such as slow sales,

lower profits, etc. the customer could, if it were deemed

serious enough, be transferred directly to GRG. If not,
then the customer could be assessed by Credit Risk

Management on whether or not to pass the customer

over to the Specialised Relationship Management (SRM)

which would apply its credit skills and had a wider
mandate over existing credit facilities than the RM to

restore the customer to financial health and return it to

normal banking.