The course is meant for whom?
This course is ideally suited for bankers and finance professionals who want to rise in their career
What are the Pre-Requisites for this course?
How will you benefit from this course?
Please attempt the following questions:
Question 1. Do you find difficulty in understanding banking credit and finance matters?
Question 2. Are you comfortable with Balance Sheet Analysis, Profitability Analysis, Ratio Analysis, DSCR, Working Capital Assessment, Term Loan Appraisal, etc.?
Question 3. Are you a student of commerce or finance preparing for your exams?
Question 4. Are you a Branch Head or a Credit Officer working in a bank or a finance company, engaged in creating a quality loan portfolio?
If your answer to the above questions is ‘Yes, then this course is meant for you.
How will you benefit from this course?
This course will help you to rise in your career. It will help you to understand the fundamentals of credit, legal aspects, and finance-related aspects and also prepare you to work out the financial statements and analyse them, all by yourself. The focus of this course is to clear the concepts and take you to the world of financial statements and their analysis. You will learn to work out financial statements and analysis through ratios hands down in excel format and take credit decisions as per the bank’s benchmark. The Course is a blend of Conceptual and Practical aspects of Credit Management.
How is this course different?
How is the course designed?
The Course is divided into 10 sections with several lectures in each of them.
The 1st Section deals with Principles of Lending, containing 6 lectures. Here you will learn the Banking Risks and Lending Principles, Due Diligence in Credit, 3 Cs and 6 Ps of the Borrower, MASTDAY Principle on Security and Feasibility and Viability Study
The 2nd Section deals with Different types of Borrowers, containing 6 Lectures. Here you will learn the legal aspects related to Individual Business, Sole Proprietorship Firms, Partnership Firms, Public Limited and Private Limited Companies, One Person Company and Limited Liability Companies
The 3rd section deals exclusively with Borrowing Powers of Companies.
The 4th section deals with different Financial Statements.
The 5th section deals with Balance Sheet Concepts containing 3 lectures. You will learn with examples the Balance Sheet Structure and its interrelationships, the calculation of Reserves and Surplus, the Concept of Depreciation and its calculation, the concept of Gross Block and Net Block, concepts of Intangible Assets, Investments, and Current Assets.
The 6th section deals with Income statements in detail and its analysis with examples and case studies in 2 lectures.
The 7th section deals with Ratio Analysis and its Interpretation in 7 lectures. Here you will learn about the Ratios in general and also Liquidity Ratios, Solvency Ratios, Turnover Ratios, and Profitability Ratios with hands-on working with case studies in excel format. In the end, you will find an interpretation of the Ratios with case studies.
The 8th section deals with Assessment of Working Capital Loan containing 5 lectures. Here you will learn the concepts of Working Capital, Working Capital Cycle, the interrelation of Margin and Drawing Power with CC Limit, Turnover Method of computation, and MPBF Methods of Assessment with case studies.
The 9th section deals with Term Loan Appraisal containing 7 lectures. You will learn the concept of Term Loan, Calculation of Depreciation, working out Repayment Schedule, Insurance Schedule, Concept of DSCR and its calculation, working out Security Coverage Ratio, Concept of Break-Even and its Analysis with Case Studies.
Finally, in the 10th section, you will find a Term Loan Case Study in 7 lectures with the hands-on working of Project Cost and Means of Finance, various schedules, Profit & Loss Account, DSCR, Reserves and Surplus, Cash Flow Statement, and Balance Sheet.
What are the takeaways of this course?
By the end of this course, you will have learned the fundamentals of credit, legal aspects, and finance-related aspects.
Get started today and learn more about credit management & financial management
Understanding Banking Risks and Lending Principles.
Understanding Due Diligence in Credit.
Understanding Feasibility & Viability Study.
Understanding the legal aspects of Sole Proprietorship, Partnership Firm & Company.
Understanding the Borrowing Powers of a Company.
Understanding Financial Statements.
Understanding Balance Sheet Structure and its concepts.
Understanding Income Statement.
Learning how to Analyse Income Statement.
Understanding Ratio Analysis and Learning how to Analyse a Financial Statement. Taking decisions by applying bank's benchmark ratios.
Learning Computation of Working Capital Loan by Applying Turnover Method and MPBF Methods by a banker.
Understanding Term Loan Characteristics.
Understanding DSCR Concept in whole and applying bank's benchmark ratio for decision making.
Understanding Break Even Analysis.
Learning how to prepare Depreciation Schedule.
Learning how to calculate Repayment Schedule.
Learning how to calculate Insurance Premium.
Learning how to process a Term Loan through case studies.
Learning how to take credit decisions by applying bank's benchmark ratios.