Certificate Program on Credit Analysis

Program

This program has been designed specifically for working professionals to:

  • Apply credit analysis to assess borrowers in real cases
  • Perform ratio analysis and cash flow analysis
  • Structure loan products in a competitive way
  • Identify and work-out problem loans
  • Presentation and discussion
  • Excel exercises wherever required
  • Cases and examples
  • 1. Overview of Credit Analysis

    • Stages in credit risk
    • Importance of credit analysis in credit risk
    • Principles of credit analysis
    • Seven Cs of credit analysis
    • Steps in credit analysis process

    • 2. Lending Process
    • Various steps involved in loan appraisal
    • Components of a bank's lending policy
    • Loan Documentation
    • Loan Pricing and Profitability Analysis
    • Regulations related to lending

    • 3. Financial Statement Analysis
    • Various types of ratios including liquidity ratios, turnover ratios, profitability ratios, leverage ratios and market ratios
    • Importance of these ratios
    • Comparative analysis
    • It also has a calculator for calculating various ratios from a Balance Sheet and P & L Account
    • Statement of Cash Flows
    • Cash flow from operating, investing and financing activities
    • Direct and indirect method of preparing statement of cash flows
    • How to interpret cash flows for decision making

    • 4. Non-Financial Analysis
    • Economy, Industry and Company (EIC) framework
    • Models for non-financial analysis
    • Case studies for analysis

    • 5. Asset Classification and Loan Loss Provisioning
    • Need for asset quality assessment
    • Quantitative and Qualitative Review of asset quality
    • Categories of asset classification
    • Special mention assets
    • Loan classification practices in various countries

    • 6. Borrowing Causes and Sources of Repayment
    • Need for asset quality assessment
    • Quantitative and Qualitative Review of asset quality
    • Categories of asset classification
    • Special mention assets
    • Loan classification practices in various countries

    • 7. Problem Loans
    • Non-performing loans (NPLs)
    • Methods of resolving NPLs
    • How to prevent NPLs

    • 8. Consumer Instalment Lending
    • Types and characteristics of consumer instalment lending
    • Various types of Instalment loans
    • Dealer Agreement, Recourse and Dealer Reserve
    • Common risks faced in consumer instalment lending

    • 9. Floor Plan Lending
    • Characteristics of Floor Plan Lending
    • Methods of Floor Plan Lending
    • Risks Associated with Floor Plan Lending

    • 10. Accounts Receivable and Inventory Lending
    • Concept of Accounts Receivable and Inventory Based Lending
    • Risks faced in Accounts Receivable and Inventory Based Lending

    • 11. Participation Loan
    • The Concept of Loan participation
    • Need for Loan participation
    • Process of Loan participation
    • Risks faced in Loan participation

    • 12. Letter of Credit and Loan Commitments
    • Concept of Letter of Credit (LC)
    • Types of Letter of Credit
    • Risks faced in Letter of Credit
    • Loan commitments, Unfunded lines of credit and their characteristics
    • Potential credit risk in loan commitments and unfunded lines of credit

  • Bankers
  • Stock Brokers
  • Credit Analysts
  • Credit Officers
  • Commercial Loan Officers
  • Loan Review Officers
  • Relationship Managers
  • Branch Managers
  • 6 Full Days (Saturdays & Sundays)
    10.00 am to 5.30 pm

    Rs.22,000 + (Inclusive of all taxes) per participant inclusive of tuition fees, reference material and (morning / evening) refreshments only.

    For further details regarding contents,
    E-mail: training@bseindia.com