Banking Credit Analysis Process (for Bankers)
4.4 (1,098 ratings)
Course Ratings are calculated from individual students’ ratings and a variety of other signals, like age of rating and reliability, to ensure that they reflect course quality fairly and accurately.
5,415 students enrolled

Banking Credit Analysis Process (for Bankers)

Course for Bankers, Consultants and managers to Understand Credit Analysis Process from Indian Context.
Bestseller
4.4 (1,098 ratings)
Course Ratings are calculated from individual students’ ratings and a variety of other signals, like age of rating and reliability, to ensure that they reflect course quality fairly and accurately.
5,415 students enrolled
Last updated 7/2020
English
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Current price: $139.99 Original price: $199.99 Discount: 30% off
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This course includes
  • 30.5 hours on-demand video
  • 1 article
  • 22 downloadable resources
  • Full lifetime access
  • Access on mobile and TV
  • Certificate of Completion
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What you'll learn
  • 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
Requirements
  • No prior knowledge is required for taking this course.
  • Students need PC / Laptop / Tab / Mobile (supporting Android / iOS) to view this course
Description

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.

Who this course is for:
  • Bankers
  • Consultants(Management/Banking/Finance)
  • Finance Managers
  • Entrepreneurs looking for Raising Funds
  • Department Heads
  • Chartered Accountants
  • Cost Accountants
  • Bank DSA
Course content
Expand all 328 lectures 30:41:14
+ Introduction to Banking Credit Analysis Process
8 lectures 28:28

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.

Preview 05:39

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.

Preview 03:24
Know Customer Integrity
04:29
Know Performance Efficiency
02:29
Know Financial Position and ability to Pay Back
02:47
Know about Industry
01:37
Legal and Valuation of Securities
03:11
Why Past Loans Matter
04:52
+ Financial Statements Reading Skill
10 lectures 01:23:49
Financial Statements
05:27
Income Statement and Balance Sheet
14:54
Sources and Uses of Funds
14:24
Financial Statement Making Process
07:01
Difference between Income, Liability, Expense and Assets
05:27
Profit and Cash
13:20

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.

Preview 02:28
What is important in Reading Balance Sheet
01:15
Second Balance Sheet Reading Skill Understanding Liquidity Position
10:57
Third Balance Sheet Reading Skill - Performance Measurement
08:36
+ How to write Bank Loan Proposal - Introduction
8 lectures 54:01
Introduction
11:35
Capture Borrower Profile
06:33
Write Brief Background of Borrower
06:30
Industry / Sector of Borrwer Write Up
03:22
Proposal request Template Format
07:30
Credit Limits Table Formulation
11:14
Group Exposure Table and Interpretation
05:13
Banking Arrangement and Sharing Pattern
02:04
+ Analysis of Financial Ratios
31 lectures 03:39:31

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).

Preview Processing..
Classification of Ratio (Talking Head)
01:00

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.

Preview 02:58
Classification of Liqudity Ratio (Talking Head)
01:14

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.

Preview 07:16
Quick Ratio (Talking Head)
07:32
Ideal Current Ratio and Quick Ratio (Talking Head)
04:20
Absolute liqudity Ratio (Talking Head)
01:08
Basic Defense interval Ratio (Talking Head)
01:59
Capital Structure Ratios (Talking Head )
07:44
Turn over Ratio (Talking Head )
14:37
Inventory Turn over Ratio (Talking Head )
06:39
Debtors Turn over Ratio (Talking Head)
03:20
Creditors Turn over Ratio (Talking Head)
04:09
Inventory Holding Period (Talking Head)
05:50
Debtors Collection Period (Talking Head)
05:33
Creditors Payment Period (Talking Head)
03:19
Case Study 1 Ratio Analysis (Talking Head)
14:22
Case Study 2 Ratio Analysis (Talking Head)
15:14
Case Study 3 Ratio Analysis (Talking Head)
10:57
Case Study 4 Ratio Analysis (Talking Head)
28:43
Debt Service Coverage Ratio (Talking Head)
09:39
Interest Coverage Ratio (Talking Head)
04:46
Preference Dividend Coverage Ratio (Talking Head)
00:55
Capital Gearing Ratio (Talking Head)
03:49
Profitability Ratio (Talking Head)
01:40
General Profitability Ratio (Talking Head)
09:22
Return on Investment Ratios (Talking Head)
10:57
Various Ratio for Equity Share holders (Talking Head)
13:48
Market Value Ratios (Talking Head)
10:54
Summary and limitation of Ratio Analysis (Talking Head)
05:47
+ Performance and Financial Indicators Analysis in Loan Proposal
16 lectures 01:27:39
Sales Movement Analysis while writing Loan Proposal
06:32
Export Sales Movement
01:58
Analysis of Raw Material Cost
03:59
Analysis of Power Cost
04:09
Analysis of Direct Labour Cost
02:53
Analysis of Selling, General & Admin Cost
03:38
Analysis of Operating Profit
03:52
Analysis of Profit and Profitability
05:00
Analysis of Cash Accruals
03:25
Analysis of PBDIT and Interest Coverage Ratio
04:35
Analysis of Paid Up Capital
05:28
Analysis of TNW, Adjusted TNW and TOL / TNW in Loan Proposal
13:01
Analysis of Current Ratio and Net Working Capital in Loan Proposal
07:32
Analysis of Debt Service Coverage Ration (DSCR) in Loan Proposal
02:34
Analysis of Efficiency Ratios in Loan Proposal
07:40
Comments on Performance and Financial Indicators
11:23
+ Fund Flow Analysis for Identifying Diversion of Funds
14 lectures 02:17:28

The fund flow statement is used for analysing the causes of financial position changes in the assets and liabilities between two balance sheets. This fund flow statement provides the fund details which were acquired and used in the past. Depending on its details, an administrative head can take significant actions.

Preview 03:29
Importance of Fund Flow Analysis (Talking Head)
12:27
Fund Flow Through some Numbers (Talking Head)
07:30
Fund Flow Through Digram (Talking Head)
04:41
How to identify long term Sources and Uses (Talking Head)
04:39
Example of Long Term Source And Uses (Talking Head)
04:24
Standard Format of Fund Flow Statement (Talking Head)
11:35
Fund Flow Analysis Case Study
19:40
Fund Flow Statement Analysis of Real Case
21:47
Deficit Analysis in Fund Flow Statement
10:08
Estimate vs Actuals analysis in Fund Flow Statement
12:00
Comprehensive Analysis 1 of Fund Flow Statement
13:52
Comprehensive Analysis 2 of Fund Flow Statement
07:02
Comprehensive Analysis 3 of Fund Flow Statement
04:14
+ Cash Flow Analysis for Understanding Cash Generation and Movement
11 lectures 03:06:37

Statement indicates the amount of cash receipts and the amount of cash payments or disbursements during a specified time. It outlines from where cash was generated and to where it was expensed. In other words, it reports the cash inflows and cash outflows, during a time period.

Preview 15:22
Cash Flows from Various Activities (Talking Head)
03:50
Cash Flow Statement Direct Method (Talking Head)
06:49
Cash Flow Statement Indirect Method (Talking Head)
28:44
Case Study 1 Cash flow study (Talking Head)
25:57
Case Study 2 Cash flow study (Talking Head)
36:04
Case Study 3 Cash flow study (Talking Head)
27:43
Cash Flow Analysis in Loan Proposal
15:53
Cash Flow Analysis in Loan Proposal 2
06:50
Cash Flow Analysis in Loan Proposal 3
07:45
Cash Flow Analysis in Loan Proposal 4
11:40
+ Interfirm Comparison, Internal & External Rating and Review of Conduct of Accoun
10 lectures 01:00:30
Inter firm Comparison in Loan Proposal
04:24
Inter firm Comparison in Loan Proposal Case 1
07:55
Internal Rating in Loan Proposal
04:04
Internal Rating in Loan Proposal - More Insights
06:37
External Rating in Loan Proposal
06:42
Review of Conduct of Accounts in Loan Proposal
06:35
Review of Cash Credit Account
08:58
Review of Term Loan Accounts
06:28
Review of Letter of Credit Facility
05:13
Review of Bank Guarantee
03:34
+ Review of Audit Reports, Compliances, Contingencies and Risk Factors
4 lectures 25:20
Review of Warning Signals and Audit Reports in Loan Proposal
08:18
Review of Compliance of Financial Covenants & Sanction Conditions
04:41
Review of Contingent Liabilities and Statutory Dues
02:47
Addressing Risk and Mitigating Factors
09:34
+ Finer Pricing, Review of Defaulters List & Loan Policy
3 lectures 17:01
Finer Pricing
06:32
Defaulters List
04:41
Loan Policy
05:48