Basics of Credit & Financial Management- A Conceptual & Practical Approach

Why Should You Take This Course?

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.? 

For Whom This Course is Meant?

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 its 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 and contains 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 and contains 6 Lectures.  Here you will learn the legal aspects related to Individual businesses, Sole Proprietorship Firms, Partnership Firms, Public Limited and Private Limited Companies, One Person Companies and Limited Liability Companies

The 3rd Module deals exclusively with the 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 inter relationships, the calculation of Reserves & Surplus, the Concept of Depreciation and its calculation, the concept of Gross Block & Net Block, and the concepts of Intangible Assets, Investments, and Current Assets.

The 6th Module deals with Income statements 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 work 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 study.

Finally, in the 10th Module you will find a Term Loan Case Study in 7 lectures with hands on working of Project Cost and Means of Finance, various schedules, Profit & Loss Account, DSCR, Reserves & Surplus, Cash Flow Statement and Balance Sheet.

MCQs 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?

This course will help you to comprehend the concepts and also help you to develop your insights.  The hands-on work 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.