4.50 (1581 reviews)
☑ Understand What is Credit Analysis
☑ How to evaluate Credit Proposal
☑ How to analyse Financial Statements
☑ How to analyse Term loan Projects
☑ Understand What is Project Financing
☑ How to arrive at Working Capital
☑ What is Working Capital Cycle
☑ What is letter of Credit
☑ What is Bank Guarantee
☑ Understand, Detailed Process of Credit Analysis
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.
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.
Introduction to Banking Credit Analysis Process
Why Credit Analysis Required
Know Your Customers
Know Customer Integrity
Know Performance Efficiency
Know Financial Position and ability to Pay Back
Know about Industry
Legal and Valuation of Securities
Why Past Loans Matter
Financial Statements Reading Skill
Income Statement and Balance Sheet
Sources and Uses of Funds
Financial Statement Making Process
Difference between Income, Liability, Expense and Assets
Profit and Cash
Structure of Balance Sheet
What is important in Reading Balance Sheet
Second Balance Sheet Reading Skill Understanding Liquidity Position
Third Balance Sheet Reading Skill - Performance Measurement
How to write Bank Loan Proposal - Introduction
Capture Borrower Profile
Write Brief Background of Borrower
Industry / Sector of Borrwer Write Up
Proposal request Template Format
Credit Limits Table Formulation
Group Exposure Table and Interpretation
Banking Arrangement and Sharing Pattern
Analysis of Financial Ratios
Introduction to Ratio Analysis (Talking Head)
Classification of Ratio (Talking Head)
Introduction to Liqudity Ratio (Talking Head)
Classification of Liqudity Ratio (Talking Head)
Current Ratio (Talking Head)
Quick Ratio (Talking Head)
Ideal Current Ratio and Quick Ratio (Talking Head)
Absolute liqudity Ratio (Talking Head)
Basic Defense interval Ratio (Talking Head)
Capital Structure Ratios (Talking Head )
Turn over Ratio (Talking Head )
Inventory Turn over Ratio (Talking Head )
Debtors Turn over Ratio (Talking Head)
Creditors Turn over Ratio (Talking Head)
Inventory Holding Period (Talking Head)
Debtors Collection Period (Talking Head)
Creditors Payment Period (Talking Head)
Case Study 1 Ratio Analysis (Talking Head)
Case Study 2 Ratio Analysis (Talking Head)
Case Study 3 Ratio Analysis (Talking Head)
Case Study 4 Ratio Analysis (Talking Head)
Debt Service Coverage Ratio (Talking Head)
Interest Coverage Ratio (Talking Head)
Preference Dividend Coverage Ratio (Talking Head)
Capital Gearing Ratio (Talking Head)
Profitability Ratio (Talking Head)
General Profitability Ratio (Talking Head)
Return on Investment Ratios (Talking Head)
Various Ratio for Equity Share holders (Talking Head)
Market Value Ratios (Talking Head)
Summary and limitation of Ratio Analysis (Talking Head)
Performance and Financial Indicators Analysis in Loan Proposal
Sales Movement Analysis while writing Loan Proposal
Export Sales Movement
Analysis of Raw Material Cost
Analysis of Power Cost
Analysis of Direct Labour Cost
Analysis of Selling, General & Admin Cost
Analysis of Operating Profit
Analysis of Profit and Profitability
Analysis of Cash Accruals
Analysis of PBDIT and Interest Coverage Ratio
Analysis of Paid Up Capital
Analysis of TNW, Adjusted TNW and TOL / TNW in Loan Proposal
Analysis of Current Ratio and Net Working Capital in Loan Proposal
Analysis of Debt Service Coverage Ration (DSCR) in Loan Proposal
Analysis of Efficiency Ratios in Loan Proposal
Comments on Performance and Financial Indicators
Fund Flow Analysis for Identifying Diversion of Funds
Introduction to Fund Flow Analysis (Talking Head)
Importance of Fund Flow Analysis (Talking Head)
Fund Flow Through some Numbers (Talking Head)
Fund Flow Through Digram (Talking Head)
How to identify long term Sources and Uses (Talking Head)
Example of Long Term Source And Uses (Talking Head)
Standard Format of Fund Flow Statement (Talking Head)
Fund Flow Analysis Case Study
Fund Flow Statement Analysis of Real Case
Deficit Analysis in Fund Flow Statement
Estimate vs Actuals analysis in Fund Flow Statement
Comprehensive Analysis 1 of Fund Flow Statement
Comprehensive Analysis 2 of Fund Flow Statement
Comprehensive Analysis 3 of Fund Flow Statement
Cash Flow Analysis for Understanding Cash Generation and Movement
Cash Flow Statement Introduction (Talking Head)
Cash Flows from Various Activities (Talking Head)
Cash Flow Statement Direct Method (Talking Head)
Cash Flow Statement Indirect Method (Talking Head)
Case Study 1 Cash flow study (Talking Head)
Case Study 2 Cash flow study (Talking Head)
Case Study 3 Cash flow study (Talking Head)
Cash Flow Analysis in Loan Proposal
Cash Flow Analysis in Loan Proposal 2
Cash Flow Analysis in Loan Proposal 3
Cash Flow Analysis in Loan Proposal 4
Interfirm Comparison, Internal & External Rating and Review of Conduct of Accoun
Inter firm Comparison in Loan Proposal
Inter firm Comparison in Loan Proposal Case 1
Internal Rating in Loan Proposal
Internal Rating in Loan Proposal - More Insights
External Rating in Loan Proposal
Review of Conduct of Accounts in Loan Proposal
Review of Cash Credit Account
Review of Term Loan Accounts
Review of Letter of Credit Facility
Review of Bank Guarantee
Review of Audit Reports, Compliances, Contingencies and Risk Factors
Review of Warning Signals and Audit Reports in Loan Proposal
Review of Compliance of Financial Covenants & Sanction Conditions
Review of Contingent Liabilities and Statutory Dues
Addressing Risk and Mitigating Factors
Finer Pricing, Review of Defaulters List & Loan Policy
Types of Business Loans
Types of Bank Loans for Business
Bank Loans for New Projects
Loans available in banking channel
Working Capital Loans
Working Capital Cycle
Tandon Committee Recommendations on Working Capital Assessment
Working Capital Assessement as per Nayak Committee
Review of Assessed Bank Finance
Working Capital Cycle Analysis
Understanding Cash Credit
Cash Credit Example
Assessment of Cash Credit - ABF Method
Assessment of Cash Credit - Conservative Method
Drawing Power Computation from Stock Statement
Assessment of CC Book Debts
Non Fund Based Credit Facilities
What and Why of Non Fund Based Credit Facilities?
Letter of Credit
Letter of Credit
Documents involved in Letter of Credit
Types of Letter of Credit
General aspects related to LC
Assessment of Letter of Credit
Letter of Credit (Old Lecture)
LC Computation (Old Lecture)
Assessment of Letter of Credit Limit
What is Bank Guarantee?
Types of Bank Guarantee
Bid Bond Guarantee
Advance Payment Guarantee
Appraisal and Assessement o BG Limits
Bank Guarantee (Old Lecture)
Types of Bank Guarantees (Old Lecture)
What is Bid Bond Guarantee?
Maintenance bond / guarantee
What is Retention Money Guarantee?
What is Advance payment Guarantee?
Basics of Project Report
Term Loan Appraisal
Why Business entities should go for Term Loan?
Term Loan Appraisal By Banks
Term Loan - Nature of Project
What is TEV Study?
Technical Viability of Project
Financial Viability of Project
Economic Viability of Project
Commercial Viability of Project
Managerial aspects of Project
Compliance aspects of Project
Cost of Project and Means of Finance under Term Loan Appraisal
Land Cost and related inputs under cost of Project - Term Loan Appraisal
Building Cost and related inputs under cost of Project -Term Loan Appraisal
Plant and Machinery Cost and related inputs under cost of Project -Term Loan App
Technical Know how and related inputs under cost of Project -Term Loan Appraisal
Preliminary Expenses and related inputs under cost of Project -Term Loan Apprais
Pre-operative Expenses and related inputs under cost of Project -Term Loan Appra
Provision for Contingencies and related inputs under cost of Project -Term Loan
Working Capital Margin and related inputs under cost of Project -Term Loan Appra
General aspects related to estimation of Cost of Project - Term Loan Appraisal
Introduction of Sources of Finance - Term Loan Appraisal
Share Capital as source of Finance - Term Loan Appraisal
Internal Accruals as source of Finance - Term Loan Appraisal
Subsidies as source of Finance - Term Loan Appraisal
Debenture as source of Finance - Term Loan Appraisal
Term Loan as source of Finance - Term Loan Appraisal
Unsecured Loans as source of Finance - Term Loan Appraisal
Project Implementation Schedule
Production Factors - Term Loan Appraisal
Manufacturing Process - Term Loan Appraisal
Other Production Factors - Term Loan Appraisal
DSCR & FOIR Computation in Term Loan
DSCR Computation in Term Loan
Analysis of DSCR (Gross Average & Net Average)
Analysis of DSCR 2 (Gross Average & Net Average)
Term Loan Eligibility Calculation
FOIR Computation in Term Loan
Project Viability - Case Study
Break Even Analysis
Break Even Analysis
Break Even Point Example
Break Even Point Graph
Break Even Test by Bankers
Cash Break Even Analysis
Break Even Analysis Case 1 in Term Loan Appraisal
Break Even Analysis Case 2 in Term Loan Appraisal
Sensitivity Analysis in Term Loan Appraisal
Sensitivity Analysis Sales Drop Testing Case 1 in Term Loan Appraisal
Sensitivity Analysis Variable Cost Increase Testing Case 2 in Term Loan Appraisa
Sensitivity Analysis Material Cost Increase Testing Case 3 in Term Loan Appraisa
Sensitivity Analysis DSCR Testing Case 4 in Term Loan Appraisal
Credit Rating Scale
Importance of Credit Rating Scale
Credit Scoring & Credit Score
What is Good Credit Score?
What is CIBIL?
Factors affecting CIBIL Score
How to improve Credit Score?
What is CIBIL Score?
Reasons for Poor Credit Score
Mistakes in Credit Scoring
How to correct your Credit Score?
Key Analysis by Bankers
Why Bankers reluctant to sanction Working Capital Facility?
Why Bankers are running after seeing this Balance Sheet?
Why Current Ratio of atleast 1.33 is insisted by Bankers?
What are Current Assets and Current Liability?
How Bankers Understand Long Term Stability of Business?
Return on Investment Case Study
Importance of Debt to Equity Ratio
Preference Share Capital
Why Banks are insisting on Margins on Loans
Why Banks insist on Financial Statements
How Sales analysis made by Banker
Marginal Cost of Funds based Lending Rate (MCLR)
What & Why of MCLR
Calculation of MCLR
Misc. Items related to MCLR
Assessment of Preshipment Credit
Terms of Payment in Export Transactions
Introduction to Terms of Payment
Parties in Documentary Credits
Details included in Letter of Credit
Practical Mechanism in Letter of Credit
Different Kinds of Letters of Credit
Introduction to Export Finance
Preshipment Finance - Packing Credit
Advance against Incentives
Preshipment Credit in Foreign Currency
Negotiation of Export Documents under Letter of Credit
Purchase or Discount of Foreign Bills
Advance against bills sent on collection
Advance against goods sent on consignement
Advance against Export Incentives
Advance against undrawn balances and retrention money
Post shipment credit in Foreign Currency
CMA - Operating Statement
Capturing Past Data from Audited Financial Statements
Analysing Previous Years Income Statement
Analysing Previous Year Liability Statement
Analysing Previous Years Asset Statement
COMPUTERISED ACCOUNTING SYSTEM
Classification of comp
Adv and Disadv
Functions of CAS
Comp scope in banking
Why compl automation
Core bank and benefits
Tech architecture CBS
Flow of transaction
SOP PC LAPTOP
Pwd Mgmt Policy
Functions of bank
Main functions of bank
Front office and Back office
Operational Instructions in Banks
Banking Operations Manual
OPERATIONAL ASPECTS KYC
Operational aspects of KYC Norms
KYC Norms - Customer Acceptance Policy
KYC Norms - Customer Identification Procedure
KYC Monitoring Transaction
KYC Risk Management
Selecting Additional information KYC
Norms for Periodic Updation of KYC
Customer Service in Banks
Recent Changes in customer Service - RBI
Technical Term 2
Priority Sector 3
Technical Term 4
Fixed & Floating Rate
Penal Rate of Interest
Document of title to Goods & Bankers General Lien
Negative lien , Restriction Advances, Rehabilitation & Recovery
Operational Process of loan in Banks
Methods for Assessment of loans
Accounting aspects of loan Products
Basic Operating Instructions on Loan Products
Operating Manual for C & A
Simple Operating Procedure
Documentation & Margin
Godown Pledged Accounts
Pledging of stocks
Unpledged Goods Stored in Pledged Goods Godown
Delivery of Stock Pledged
Submission of Stock Statements
Goods Hypothecated lying with Unhypothecated Goods
Inspection of Stock
Inspating official comment in SIR
Test your knowledge in Understanding financial statements- A Conceptual Approach
Test your knowledge in Financing Working Capital Requirements
Test your knowledge in Fund Flow And Cash Flow Analysis
Test your knowledge in Understanding profit and loss account items
Test Your knowledge in Understanding Balance sheet
Test your knowledge in Analysis of financial statement
What is Buyers Credit
Discontinuation of Letter of Undertaking / Letter of Comfort for Trade Finance
Other Banking Products
What is Stand By Letter of Credit?
Most of the time the sound was not coming well. It would be better to stand in front and give information. The information given from the picture also seems to be effective. But most of the time the voice was coming very slowly.
Amazing Course. Raja Sir teaching is mind-blowing. All contents are crystal clear and explained briefly. Banking and Finance Concepts covered in brief.
I am an economist, so I was aware about some of this lesson like how to prepare the income statement, the balance sheet etc. As a banker, this course helps me to be focus on what it is so important to understand before giving a credit to the client. what should I know first to avoid any risk of repayment.
This course helps me to build my knowledge about the Banking Credit Analysis and how to read the financial statements.
Absolutely rubbish content. And he is repeating on ething again and again, too much slow pace. No real life or practical examples, he is just talking theory. Rubbish and worst course I have ever seen. Get lost
Excellent course for everyone working as branch manager or credit officer. cost of course is reasonable. strongly recommend this course. teaching style is excellent. concepts are explained with examples and very simple language used. Thank you very much RAJA SIR.
reaffirming what I know and it is also helping me with new ways to speak to my customers and with better explanations of why we collect all the information
Only few chapter completed, well & expecting after completing few more slide it will be more helpful for me.
The concepts are explained well and made easy to understand. The practical aspect of concept is also a great help.
It is in general what I'm hoping for. If some of the words were clearly spoken it would have been better.
having worked in retail branch banking, working directly in credit & forex is a dream for me rather handling at branch indirectly.
What a great course!! The author has perfect knowledge being a qualified chartered accountant. This course is not only for bankers, I would recommend for all people have interest in accounting. Very comprehensive course. Great knowledge at very affordable price.
Payment was made; however i wasn't able to complete the course as i was logged out by UDEMY Audio issues
More real life case studies, at least 2 or 3 sample cases where all techniques applies. A complete underwriting process from beginning to end.
The topics are clearly explained. I have a better understanding of doing a check on customer's integrity.