I am basically an ex-bank manager with 12 years of banking experience. As a consultant we have experience of more than 26 years in handling various types of credit requirements of the borrowers. Our scope of work include: Diagnosis of Customer''s Requirement and calling for back-papers as per checklist of respective banks, preferably at one go. Study of back-papers ad preparation of Application for Advance, business profile, along with other requirements like CMA data, review of business, net worth statements and other related enclosures on behalf of the customers. Submission of Draft Appraisal Note including CMA refinement, appraisal note/ board note/ process note as the case may be, general remarks, terms and conditions, net worth analysis and credit rating- risk rating as well as interest rating etc, wherever necessary, in soft copy to Banks for their approval/ minor changes if any and assistance in finalization of the appraisal for sanction- on behalf of the bank which normally reduces much of the time involved in processing/ appraisal.