Banking Credit Analysis Process (for Bankers)

Course for Bankers, Consultants and managers to Understand Credit Analysis Process.
4.1 (27 ratings)
Instead of using a simple lifetime average, Udemy calculates a
course's star rating by considering a number of different factors
such as the number of ratings, the age of ratings, and the
likelihood of fraudulent ratings.
687 students enrolled
$19
$125
85% off
Take This Course
  • Lectures 197
  • Length 14.5 hours
  • Skill Level Beginner Level
  • Languages English
  • Includes Lifetime access
    30 day money back guarantee!
    Available on iOS and Android
    Certificate of Completion
Wishlisted Wishlist

How taking a course works

Discover

Find online courses made by experts from around the world.

Learn

Take your courses with you and learn anywhere, anytime.

Master

Learn and practice real-world skills and achieve your goals.

About This Course

Published 7/2014 English

Course Description

----------------------------------------------------------------------------------------------------------------

BEST FOR CREDIT ANALYSIS

THIS IS BEST LECTURE EXPLAINED IN SIMPLE METHOD WITH EXAMPLES FOR CREDIT PROFESSIONAL.Also it would def help on the job purpose as well.Would def recommend

------------------------------------------------------------------------------------------------------------------


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 through 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.

This Course has been Structured in self paced Learning Style.

Learners can Learn Credit Analysis process at their own time, Convenience and place.

Materials used in this Course will enable the participants to understand credit Analysis Process with almost Clarity.

What are the requirements?

  • No prior knowledge is required for taking this course.
  • Students need PC / Laptop / Tab / Mobile (supporting Android / iOS) to view this course

What am I going to get from this course?

  • 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

What is the target audience?

  • Bankers
  • Consultants(Management/Banking/Finance)
  • Finance Managers
  • Entrepreneurs looking for Raising Funds
  • Department Heads
  • Chartered Accountants

What you get with this course?

Not for you? No problem.
30 day money back guarantee.

Forever yours.
Lifetime access.

Learn on the go.
Desktop, iOS and Android.

Get rewarded.
Certificate of completion.

Curriculum

Section 1: Introduction to Credit Analysis
Why Credit Analysis Required
Preview
04:23
Know Your Customers
03:25
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
Section 2: Financial Statements Reading Skill
Financial Statements
05:27
Income Statement and Balance Sheet
14:54
Financial Statement Making Process
07:01
Difference between Income, Liability, Expense and Assets
05:27
Sources and Uses of Funds
14:24
Profit and Cash
13:20
Structure of Balance Sheet
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
Section 3: Analysis of Financial Ratios
Financial Ratio Analysis
Preview
09:09
Current Ratio
10:07
Quick Ratio
04:01
Absolute Liquid Ratio
02:49
Defense Interval Ratio
01:47
Capital Structure Ratio (Equity Ratio)
02:36
Capital Structure Ratios (Debt Ratio)
02:00
Capital Structure Ratios (Debt to Equity Ratio)
02:53
Coverage Ratios (DSCR)
04:30
Interest Coverage Ratio
03:04
Preference Dividend Coverage Ratio
00:57
Capital Gearing Ratio
03:40
Capital Turnover Ratio
02:44
Activity Ratios
00:44
Fixed Assets Turnover Ratio
02:00
Total Assets Turnover Ratio
03:02
Working Capital Turnover Ratio
00:41
Inventory Turnover Ratio
04:59
Inventory Holding Level
02:20
Debtors Turnover Ratio
05:33
Average Collection Period
03:11
Creditors Turnover Ratio
05:11
Average Payment Period
02:29
General Profitability ratios
02:40
Gross Profit Ratio
01:40
Operating Ratio
04:15
Operating Profit Ratio
01:10
Expense Ratios
02:27
Net Profit Ratio
00:53
Overall Profitability Ratios
01:04
Return on Assets
07:38
Return on Capital Employed
02:23
Return on Share Holders Funds
01:13
Return on Equity Share Holders Funds
01:48
Earnings Per Share
00:41
Cash Flow Earnings
01:46
Dividend Per Share
00:47
Dividend Pay Out Ratio
01:53
Dividend Yield Ratio
01:05
Illustration on Return on Equity Share holders Funds
04:12
Section 4: Market Valuation Ratios
Market Value Ratio
Preview
00:47
Earnings Yield Ratio
00:38
Price Earnings Ratio
04:25
Price to Cash Flow Ratio
00:55
Market Value to Book Value Ratio
02:14
Section 5: Fund Flow Analysis for Identifying Diversion of Funds
Fund Flow Analsyis Introduction
Preview
06:56
Fund Flow Analysis Example
07:32
Uses of Fund Flow Statement
01:55
Fund Flow Analysis Case Study 4
19:40
Fund Flow Statement Real Case
21:47
Section 6: Cash Flow Analysis for Understanding Cash Generation and Movement
Cash Flow Introduction
Preview
04:13
Cash Flow Activities
01:38
Cash Flow Operating Activities
04:46
Cash Flow Investing Activity
01:14
Cash Flow Financing Activity
01:15
Section 7: Types of Business Loans
Types of Bank Loans for Business
Preview
03:59
Bank Loans for New Projects
01:18
Loans available in banking channel
01:42
Section 8: Working Capital
Working Capital Loans
Preview
03:08
Working Capital Cycle
06:05
Section 9: Cash Credit
Understanding Cash Credit
Preview
03:45
Cash Credit Example
05:37
Section 10: Letter of Credit
Letter of Credit
Preview
02:43
LC Computation
02:47
Section 11: Bank Guarantee
Bank Guarantee
Preview
03:39
Types of Bank Guarantees
02:12
Section 12: Project Report
Basics of Project Report
02:04
Section 13: Term Loan Appraisal
Term Loan Appraisal By Banks
Preview
03:53
Term Loan - Nature of Project
01:30

Students Who Viewed This Course Also Viewed

  • Loading
  • Loading
  • Loading

Instructor Biography

I am a Chartered Accountant with tonnes of passion for teaching.

I teach Financial Management & Strategic Financial Management for Chartered Accountancy, Cost and Management Accountancy and Company Secretary students in Ernakulam, India. I also hold Post Graduate Diploma in Business Administration in Finance from Symbiosis, Pune and Bachelors in Commerce, from Loyola College, Chennai.

I worked in State Bank of India as Assistant Vice President - Credit for a period of four years after which i started my Chartered Accountancy Practice. During the stint in State Bank of India, I worked on credit proposals of Mid Corporate Units and gained good experience in Financial Analysis, Risk Assessment, Viability Study, Evaluating business models, Project Finance, Working Capital Management, etc.

I conduct work shops for Entrepreneurs, Chartered Accountancy / Cost and Management Accountancy Students on the topics like Project Finance, Credit Risk Assessment, Entrepreneurship Development, Finance for Non Finance Executives, etc.

I love teaching and i want fundamentals of accounting and finance to reach students and so i am here.

Ready to start learning?
Take This Course