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About This 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 and 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

What you’ll learn: 

  • Banking Risks and Lending Principles
  • Due Diligence in Credit
  • Feasibility and Viability Study
  • The legal aspects of Sole Proprietorship, Partnership Firm, and Company
  • The Borrowing Powers of a Company
  • Financial Statements
  • Balance Sheet Structure and its concepts
  • Income Statement
  • How to Analyse Income Statement
  • Ratio Analysis and how to Analyse a Financial Statement
  • Computation of Working Capital Loan by Applying Turnover Method and MPBF Methods by a banker
  • Term Loan Characteristics
  • DSCR Concept in whole and applying a bank’s benchmark ratio for decision making
  • Break Even Analysis
  • How to prepare a Depreciation Schedule
  • How to calculate Repayment Schedule
  • How to calculate Insurance Premium.
  • How to process a Term Loan through case studies
  • How to take credit decisions by applying a 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.

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 is this course 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

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 Cs and 6 Ps of the Borrower, MASTDAY Principle on Security and Feasibility and 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 and  Surplus, Concept of Depreciation and its calculation, the concept of Gross Block and  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 interrelation of Margin and 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 and Surplus, Cash Flow Statement, and Balance Sheet.

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. 

Our Promise to You

By the end of this course, you will have learned the fundamentals of credit, legal aspects, and finance-related aspects.

30 Day Money Back Guarantee. If you are unsatisfied for any reason, simply contact us and we’ll give you a full refund. No questions asked.

Get started today and learn more about credit management.

Course Curriculum

5h 41m

Section 1 - Course Outline
Course Outline 00:00:00
Downloadable Course Resources 00:00:00
Section 2 - Module 1 - Principles Of Lending
Banking Risks And Lending Principles 00:00:00
Due Diligence In Credit 00:00:00
3 C’s Of The Borrower 00:00:00
6 P’s Of The Borrower 00:00:00
MASTDAY Principle On Security 00:00:00
Feasibility And Viability Study 00:00:00
Self Assessment Test 00:00:00
Section 3 - Module 2 - Types Of Borrowers
Introduction 00:00:00
Individual Borrower 00:00:00
Partnership Firms 00:00:00
HUF 00:00:00
Company Features 00:00:00
Hybrid Companies 00:00:00
Self Assessment Test 00:00:00
Section 4 - Module 3 - Borrowing Powers Of A Company
Borrowing Power Of A Company 00:00:00
Self Assessment Test 00:00:00
Section 5 - Module 4 - Understanding Financial Statements
What Are Financial Statements 00:00:00
Self Assessment Test 00:00:00
Section 6 - Module 5 – Understanding Balance Sheet
Balance Sheet Structure And Concepts 00:00:00
Assets – Fixed Assets 00:00:00
Other Assets 00:00:00
Self Assessment Test 00:00:00
Section 7 - Module 6 - Income Statement
What Is Income Statement 00:00:00
Analysis Of Income Statement 00:00:00
Self Assessment Test 00:00:00
Section 8 - Module 7 - Ratio Analysis And Interpretation
Introduction To Ratios 00:00:00
Liquidity Ratios 00:00:00
Practical Work Out With Liquidity Ratios 00:00:00
Solvency Ratios 00:00:00
Turnover Ratios 00:00:00
Profitability Ratios 00:00:00
Interpretation Of Ratios 00:00:00
Self Assessment Test 00:00:00
Section 9 - Module 8 - Appraisal Of Working Capital Loan
What Is Working Capital Loan 00:00:00
Working Capital Cycle 00:00:00
CC Limit, Margin And Drawing Power 00:00:00
Turnover Method 00:00:00
MPBF Methods With Case Study 00:00:00
Self Assessment Test 00:00:00
Section 10 - Module 9 - Appraisal Of Term Loan
Characteristics Of Term Loans 00:00:00
Calculation Of Depreciation 00:00:00
Drawing Repayment Schedule 00:00:00
Calculating DSCR 00:00:00
Security Coverage Ratio 00:00:00
Break Even Analysis 00:00:00
Break Even Case Study 00:00:00
Self Assessment Test 00:00:00
Section 11 - Module 10 - Term Loan Case Study
Technical And Financial Parameters 00:00:00
Project Cost And Means Of Finance 00:00:00
Working Of Various Schedules 00:00:00
Profit And Loss Account, DSCR, And Reserves And Surplus 00:00:00
Cash Flow Statement 00:00:00
Balance Sheet 00:00:00
Analysis Of The Case Study 00:00:00
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