Basics of Credit Management- A Practical Approach + Quiz
Learn the fundamentals of credit, legal aspects, and finance-related matters in banking. Analyze financial statements and make credit decisions based on benchmarks. Ideal for bankers and finance professionals looking to advance their careers. Suitable for students of commerce and finance seeking to develop their skills in banking.
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.
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Do you find difficulty in understanding banking credit and finance matters? Are you comfortable with Balance Sheet Analysis, Profitability Analysis, Ratio Analysis, DSCR, Working Capital Assessment, Term Loan Appraisal, etc.?
If you are a Branch Head or a Credit Officer working in a bank or a finance company, engaged in creating a quality loan portfolio, this course is meant for you. 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 analyze 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 this course is different?
Focus on banking concepts with Practical Inputs
Focus on Legal Concepts.
Focus on Finance Concepts with Case Studies
Step by Step Calculation of Financial Statements in Excel with Analysis.
Step by Step Calculation of Financial Ratios in Excel with Interpretation.
Helps you to decide on a Loan Proposal based on your findings and Bank’s Financial Benchmarks
MCQs at the end to Self-Test your understanding
Course Outline
The Course is divided into 10 Modules with several lectures in each of them.
The 1st Module deals with Principles of Lending, containing 6 lectures. Here you will learn the Banking Risks and Lending Principles, Due Diligence in Credit, 3 C’s and 6 P’s of the Borrower, MASTDAY Principle on Security & Feasibility & Viability Study
The 2nd Module 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 Module deals exclusively with Borrowing Powers of Companies
The 4th Module deals with different Financial Statements
The 5th Module deals with Balance Sheet Concepts containing 3 lectures. You will learn with examples the Balance Sheet Structure and its interrelationships, the calculation of Reserves & Surplus, Concept of Depreciation and its calculation, the concept of Gross Block & Net Block, concepts of Intangible Assets, Investments and Current Assets.
The 6th Module deals with Income Statement in detail and its analysis with examples and case studies in 2 lectures
The 7th Module 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 Module deals with Assessment of Working Capital Loan containing 5 lectures. Here you will learn the concepts of Working Capital, Working Capital Cycle, the inter-relation of Margin & Drawing Power with CC Limit, Turnover Method of computation, and MPBF Methods of Assessment with case studies.
The 9th Module 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 Module, 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 & Surplus, Cash Flow Statement, and Balance Sheet.
MCQ’s at the End
You will also find Self- Assessment Tests at the end of each module containing Multiple Choice Questions. I advise you to attempt all the MCQs and Test your Understanding. You can download the Course Completion certificate once you have successfully completed the Tests. In case of any queries, you are free to contact me. I shall be happy to help you in your journey.
How the Course Will Help You?
I am sure the course will help you to comprehend the concepts and also help you to develop your insights. The hands-on working with case studies will help you to master the required skills to process a loan proposal.
Live Support
In case of any difficulty, you can always contact me. I shall be at arm’s length to handhold you in your journey.
Just go through demo videos and decide.
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
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