Sometimes, I feel that I am spinning gold from straw at my job. Merely presenting ideal situations so that approval can be given.

When dealing with Credit, there are two main approving levels.

i) Credit Originator
ii) Credit Control

Credit originator would be like myself, managing and dealing with the customer directly. When there is a request of a loan, I do the write-up of the customer and the business, and send it along to the Credit control(ler) for approval.

Credit controller is the impartial judge of whether a business is deemed credit worthy. When there is doubt, or clarification is needed, the credit controller will deal/communicate with the credit originator.

However, when there is doubt on the credit controller's side, it does not necessarily mean that there is clarification from the credit originator. And here is where the straw gets spun into gold.

As the credit originator, I have certain targets to achieve, and to achieve those targets, I need the approval of the credit controller. It is in my interest that the credit controller gives his approval. Unfortunately, as much as I would like to be able to deal with the credit controller's queries - there is always a lack of knowledge about the customers.

In an ideal world, the credit originator would know everything there is to know about his customer. However, in a less than ideal world, the credit originator has to make certain conclusions and assumptions. Situations are presented in an ideal light to get approval.

So sometimes, all I do it sit around and try to think up the best story for the customer.