The article discusses the importance of monitoring the income and performance of small and medium enterprise (SME) loans by credit and marketing officers. It emphasizes evaluating the customer relationship as a whole, including accounts, loans, and fee income. Loan officers need to adjust loan income for past dues to track the performance of their portfolio and take responsibility for non-performing loans. Key factors include current accounts, savings accounts, loan portfolios, banking relationships, and the role of loan officers in managing these aspects.