Basics of Credit Management- A Practical Approach + Quiz
What you'll learn
- 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.
- Test your learning through loads of MCQs.
Requirements
- No prior knowledge required for enrolling into the course. Just stay focused while learning and take notes.
- This course is specially designed for those who have a thirst for quick knowledge but avoid books.
- An internet connection and a Laptop/PC/Mobile/Tablet.
Description
Welcome to the World of Credit Management Excellence!
Do financial jargons like Balance Sheet Analysis, Profitability Analysis, Ratio Analysis, DSCR, Working Capital Assessment, and Term Loan Appraisal seem like a labyrinth to you? If deciphering the intricacies of banking credit and finance is on your agenda, look no further! Whether you're a seasoned Credit Officer navigating the complexities of finance or a budding finance enthusiast, our course, "Basics of Credit Management - A Practical Approach," is tailor-made for you.
Embark on a transformative journey that will not only bolster your understanding of credit fundamentals but also equip you with the skills to independently unravel financial statements and conduct meticulous analyses. This course is a seamless blend of theoretical concepts and hands-on practicality, ensuring that you not only grasp the essentials but also apply them with confidence.
Why Choose Our Course?
Focus on Practical Banking Concepts: Immerse yourself in a curriculum designed to provide practical insights into banking, ensuring you are well-versed in real-world scenarios.
Thorough Legal Understanding: Delve into the legal intricacies associated with credit management, gaining a comprehensive understanding of the legal landscape.
Finance Concepts with Case Studies: Grasp finance concepts through real-world case studies, enhancing your ability to apply theoretical knowledge to practical situations.
Step-by-Step Excel Calculations: Navigate the world of financial statements and ratios with ease through step-by-step Excel calculations, empowering you to make informed credit decisions aligned with industry benchmarks.
Decision-Making Proficiency: Hone your skills in evaluating loan proposals based on your findings and the financial benchmarks set by leading financial institutions.
Self-Assessment through MCQs: Reinforce your learning with module-end Multiple Choice Questions (MCQs) that serve as a self-assessment tool, allowing you to gauge your understanding and download a Course Completion Certificate upon successful completion.
What Sets Us Apart?
Join a course that boasts the highest global ratings on platforms like Udemy, Alison, and Skill Success, with an impressive average rating of 4.54/5.00. Don't just take our word for it; hear what our students have to say:
Edy Paul, UK: "Accurate course description, clear explanations, valuable information, engaging delivery, and helpful practice activities."
Sagar Pandey, India: "Detailed and clear about the basics of credit management. Just loved the course."
Timothy Makuka, South Africa: "Amazing experience and absolutely engaging. Will recommend to my colleagues."
Regina, USA: "Loved the short and clear lectures. Easy to understand. Keep it up!"
Course Overview:
Delve into 10 comprehensive modules, each packed with lectures tailored to enhance your understanding:
Principles of Lending: Uncover banking risks, due diligence, and the crucial principles that underpin lending decisions.
Types of Borrowers: Navigate legal aspects associated with individual business, sole proprietorship firms, partnership firms, public and private limited companies, one-person companies, and limited liability companies.
Borrowing Powers of Companies: Explore the exclusive module dedicated to understanding the borrowing powers of companies.
Financial Statements: Decode different financial statements, unraveling their intricacies.
Balance Sheet Concepts: Master the structure and interrelationships of balance sheets, along with the calculation of reserves, surplus, depreciation, and more.
Income Statement Analysis: Dive into income statements with detailed analyses, backed by examples and case studies.
Ratio Analysis: Explore liquidity, solvency, turnover, and profitability ratios through hands-on case studies in Excel.
Working Capital Loan Assessment: Grasp concepts like working capital, the working capital cycle, and assessment methods with real-world case studies.
Term Loan Appraisal: Understand the nuances of term loans, depreciation, repayment schedules, DSCR calculation, security coverage ratio, and break-even analysis.
Term Loan Case Study: Conclude the course with a practical case study, integrating project cost, means of finance, various schedules, profit and loss accounts, DSCR, reserves and surplus, cash flow statements, and balance sheets.
MCQs for Self-Testing:
Evaluate your understanding with MCQs at the end of each module, providing a valuable self-assessment tool. Upon successful completion, download your Course Completion Certificate and take the first step toward mastering credit management.
Live Support:
Our commitment doesn't end with the course. In times of difficulty, reach out for live support. I am here to guide you, ensuring you traverse your journey with confidence.
Your Journey Starts Here:
Explore our demo videos, witness the richness of content, and make an informed decision. Join us inside the course, where we promise to demystify the world of credit management and empower you to thrive in your financial endeavors.
See you inside the course!
Who this course is for:
- This course is ideally suited for bankers and finance professionals who want to rise in their career
- This course is for those individuals who have discovered their weakness & gaps in knowledge and skills and wish to overcome them.
- This course is also suited for students of commerce and finance to develop their insights and skills in banking
Instructor
- 4.2 Instructor Rating
- 320 Reviews
- 2,080 Students
- 9 Courses
Hi,
Zenith Academics is a platform engaged in preparing engaging online courses in diverse subjects with a student bias. We strive to achieve a multidisciplinary approach to learning and provide engaging online courses in psychology, banking, finance, law, technology, language, etc. to reach a vast multitude of students worldwide. We engage domain experts to create courses as per student needs. We have created multiple courses on Psychotherapies and Finance & Banking.
In the past, this platform has launched four courses on psychotherapies, prepared by Najwa Bashir, a counseling psychologist, which has been very well received by the global student community.
I am Sudam Ghosh (B. Com; M.B.A.; LLB; C.S.(Inter); C.A.I.I.B.), founder of Zenith Academics and instructor for finance & banking courses. I have worked as a Credit Officer at various levels, including as Branch Head, in Very Extra Large Branch and as Chief Manager, Faculty at Apex Training College of a Public Sector Bank, for a long time, and also have 20 years of experience of teaching credit and financial management subjects.
It has been my passion for teaching that has brought me to this global platform. My experience enables me to focus on the weakness of the students and handhold them towards success. In this course, you will experience a simple style of teaching, which makes the students grasp the basic concepts, step by step before delving into complex areas of learning.
So hook on to the courses and experience the journey.
Looking forward to connecting with you.
Happy learning.
Sudam Ghosh,
CEO, Zenith Academics