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Are you struggling in understanding banking credit related matters like Financial Ratio Analysis, Cash Flow and Fund Flow Analysis, Working Capital Assessment and products like Cash Credit, Letter of Credit, Bank Guarantee, Buyers Credit, Term Loan appraisal covering Debt Equity Analysis, DSCR, FOIR, etc.?
Are you a Finance Professional working on Project Funding for your clients?
Are you finding it difficult to write down a comprehensive loan proposal?
Are you a Banker aspiring to rise to top in your career?
Then this course is for you – Banking Credit Analysis Process.
Why you should take this course?
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Credit Analysis is the core process adopted by any Bank to understand, evaluate and appreciate about the Customers Identity, Integrity, Financial Position, – Repayment Capacity, Etc.
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Every Banker should be thorough with Credit Analysis Process because day in day out they have to deal with new customers and before sanctioning any new loans to them, Banker should have made detailed study of their customers.
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No Banker can raise to top unless he becomes conversant with Credit Analysis Process.
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Bank would generally throw employees on to the job before they get opportunity to be trained. This is with more specific reference to Credit Analysis where Bankers should under detailed learning process, else their mistakes in the process will be Very Costly beyond their manageable Position.
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Hence, this course will provide platform to Bankers to have fall back reference on the Critical Aspects of Credit Analysis Process. Banking/ Management Consultants can also use this course for the equipping themselves to the expectations of the Bankers while handling Credit Proposals.
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By taking this course, you will be able to Write Bank Loan Proposals with better clarity and confidence.
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You will understand various technical matters written in Bank Loan Proposals.
What you will learn by taking this course?
By taking this course, you will be exposed to
Sec 1 – Introduction to Credit Analysis
Sec 2 – Financial Statements reading skill
Sec 3 – How to write Loan Proposal – Introduction
Sec 4 – Financial Ratio Analysis
Sec 5 – Performance and Financial Indicators Analysis in Loan Proposal
Sec 6 – Fund Flow Analysis for Identifying Diversion of Funds
Sec 7 – Cash Flow Analysis for Understanding Cash Generation and Movement
Sec 8 – Inter-firm Comparison, Internal & External Rating and Review of Conduct of Accounts
Sec 9 – Review of Audit Reports, Compliances, Contingencies and Risk Factors
Sec 10 – Finer Pricing, Review of Defaulters List & Loan Polichy
Sec 11 – Types of Business Loans
Sec 12 – Working Capital
Sec 13 – Cash Credit
Sec 14 – Non Fund Based Credit Facilities
Sec 15 – Letter of Credit
Sec 16 – Bank Guarantee
Sec 17 – Project Report
Sec 18 – Term Loan Appraisal
Sec 19 – DSCR & FOIR Computation in Term Loan
Sec 20 – Break Even Analysis
Sec 21 – Sensitivity Analysis
Sec 22 – Credit Rating
Sec 23 – Credit Scoring
Sec 24 – Key Analysis by Bankers
Sec 25 – Marginal Cost of Funds based Lending Rate (MCLR)
Sec 26 – Export Credit
Sec 27 – Terms of Payment in Export Transactions
Sec 28 – Export Finance
Sec 29 – CMA (Credit Monitoring Arrangement)
Sec 30 – Computerised Accounting System
Sec 31 – Banking Operations
Sec 32 – Operational Aspects of KYC
Sec 33 – Loan Accounts
Sec 34 – Quiz
Sec 35 – Import Finance
Sec 36- Other Banking Products
How this course is structured?
This course is structured in self paced learning style. Each and every section of this course is broken down as various micro lectures and then they are substantiated with examples and case studies. Several real world examples are used in this course through case studies. You’ll gain authority on each and every topic as i take you through lectures one by one. This course is presented in simple language with examples. This course has video lectures (with writings on Black / Green Board / Note book / Talking head, etc). You would feel you are attending a real class.
What are the pre-requisites for taking this course?
You would require good internet connection for interruption free learning process – You can approach this course with fresh mind.
How this course will benefit you?
At the end of the course, you will be able to approach credit related matters in your bank with high level of confidence and solve real life problems at ease.
Financial Statements Reading Skill
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1Welcome Lecture
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2Why Credit Analysis Required
This course also provide Banking Credit Products, Working Capital, Long Term Products, Fund Based, Non Fund Based. This Course Covered Buyers Credit, Term Loan, DSCR etc..Credit Analysis Process is a course for Bankers who need to make detailed study of customer's identity, integrity, financial position, repayment capacity.
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3Know Your Customers
Know Your Customer, alternatively known as know your client or simply KYC, is the process of a business verifying the identity of its clients and assessing their suitability, along with the potential risks of illegal intentions towards the business relationship.
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4Know Customer Integrity
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5Know Performance Efficiency
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6Know Financial Position and ability to Pay Back
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7Know about Industry
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8Legal and Valuation of Securities
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9Why Past Loans Matter
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10Decision making in Credit
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11Difference between Corporate Lending and Retail Lending
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12Know Your Customer Policies
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13Decision making in Credit
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14Difference between Corporate Lending and Retail Lending
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15Information Exchange amongst Lending Institutions and Credit Information Compani
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16Dun & Bradstreet
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17Negative List of Information
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18Central Repository of Information of Large Credits
How to write Bank Loan Proposal - Introduction
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19Financial Statements
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20Income Statement and Balance Sheet
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21Sources and Uses of Funds
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22Financial Statement Making Process
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23Difference between Income, Liability, Expense and Assets
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24Profit and Cash
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25Structure of Balance Sheet
The Structure of a Balance Sheet A company's balance sheet is comprised of assets, liabilities and equity. Liabilities are what a company owes to others - creditors, suppliers, tax authorities, employees, etc. They are obligations that must be paid under certain conditions and time frames.
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26What is important in Reading Balance Sheet
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27Second Balance Sheet Reading Skill Understanding Liquidity Position
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28Third Balance Sheet Reading Skill - Performance Measurement
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29Test your knowledge in Understanding financial statements- A Conceptual Approach
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30Test your knowledge in Understanding profit and loss account items
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31Test Your knowledge in Understanding Balance sheet
Analysis of Financial Ratios
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32Introduction
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33Capture Borrower Profile
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34Write Brief Background of Borrower
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35Industry / Sector of Borrwer Write Up
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36Proposal request Template Format
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37Credit Limits Table Formulation
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38Group Exposure Table and Interpretation
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39Banking Arrangement and Sharing Pattern
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40Information Exchange amongst Lending Institutions & Credit Information Companies
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41Dun & Bradstreet
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42Negative List of Information
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43Central Repository of Information of Large Credits
Performance and Financial Indicators Analysis in Loan Proposal
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44Introduction to Ratio Analysis (Talking Head)
Ratio analysis is an accounting tool, which can be used to measure the solvency, the profitability, and the overall financial strength of a business, by analysing its financial accounts (specifically the balance sheet and the profit and loss account).
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45Classification of Ratio (Talking Head)
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46Introduction to Liqudity Ratio (Talking Head)
Liquidity ratios measure the relationship between the amounts of short term capital that the firm has locked in its receivables versus the short term interest free debt it has acquired in the form of accounts payables.
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47Classification of Liquidity Ratio (Talking Head)
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48Current Ratio (Talking Head)
The current ratio is a liquidity and efficiency ratio that measures a firm's ability to pay off its short-term liabilities with its current assets. Current assets like cash, cash equivalents, and marketable securities can easily be converted into cash in the short term.
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49Quick Ratio (Talking Head)
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50Ideal Current Ratio and Quick Ratio (Talking Head)
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51Absolute liqudity Ratio (Talking Head)
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52Basic Defense interval Ratio (Talking Head)
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53Capital Structure Ratios (Talking Head )
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54Turn over Ratio (Talking Head )
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55Inventory Turn over Ratio (Talking Head )
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56Debtors Turn over Ratio (Talking Head)
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57Creditors Turn over Ratio (Talking Head)
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58Inventory Holding Period (Talking Head)
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59Debtors Collection Period (Talking Head)
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60Creditors Payment Period (Talking Head)
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61Case Study 1 Ratio Analysis (Talking Head)
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62Case Study 2 Ratio Analysis (Talking Head)
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63Case Study 3 Ratio Analysis (Talking Head)
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64Case Study 4 Ratio Analysis (Talking Head)
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65Debt Service Coverage Ratio (Talking Head)
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66Interest Coverage Ratio (Talking Head)
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67Preference Dividend Coverage Ratio (Talking Head)
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68Capital Gearing Ratio (Talking Head)
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69Profitability Ratio (Talking Head)
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70General Profitability Ratio (Talking Head)
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71Return on Investment Ratios (Talking Head)
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72Various Ratio for Equity Share holders (Talking Head)
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73Market Value Ratios (Talking Head)
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74Summary and limitation of Ratio Analysis (Talking Head)
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75Test your knowledge in Analysis of financial statement
Fund Flow Analysis for Identifying Diversion of Funds
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76Sales Movement Analysis while writing Loan Proposal
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77Export Sales Movement
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78Analysis of Raw Material Cost
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79Analysis of Power Cost
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80Analysis of Direct Labour Cost
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81Analysis of Selling, General & Admin Cost
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82Analysis of Operating Profit
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83Analysis of Profit and Profitability
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84Analysis of Cash Accruals
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85Analysis of PBDIT and Interest Coverage Ratio
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86Analysis of Paid Up Capital
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87Analysis of TNW, Adjusted TNW and TOL / TNW in Loan Proposal
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88Analysis of Current Ratio and Net Working Capital in Loan Proposal
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89Analysis of Debt Service Coverage Ration (DSCR) in Loan Proposal
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90Analysis of Efficiency Ratios in Loan Proposal
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91Comments on Performance and Financial Indicators