Page 218 - Bank Case Studies

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.