Banking Credit Analysis Process (for Bankers)

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?

• 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.         
• 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.
• No Banker can raise to top unless he becomes conversant with Credit Analysis Process. 
• 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.
• 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. 
• By taking this course, you will be able to Write Bank Loan Proposals with better clarity and confidence.
• 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.

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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.