All private bank credit officers in a city are connected to each other...

Thanks or no thanks to WhatsApp.... All credit assessment officers on banks who assess the file on acceptability and eligibility are now generally connected to their counterparts in other banks in the same city... So they sometimes keep asking them if a particular customer had applied with them and take feedbacks etc... The flip side is that this creates an element of prejudice in the credit officer's assessment and his view is now tainted with the other officer's opinion..... Sometimes this affects the decision of a particular case badly....