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?
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.
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.
Course consist of total 5h 16min of content, in total.
Zenith Academics is a platform engaged in preparing engaging online courses in diverse subjects with a student bias. We strive to achieve a multidisciplinary approach in learning and provide engaging online courses in psychology, banking, finance, law, technology, language, etc. to reach a vast multitude of students worldwide. We engage domain experts to create courses as per student needs.
The instructor for this beginner-level course is Najwa Bashir. She is a counseling psychologist with many years of experience and has made several courses in psychology. She has a simple style of teaching and makes the students grasp the basic concepts step by step before guiding them to complex areas of learning.
So hook on to the course and experience the journey.
Looking forward to connecting with you.
Founder, Zenith Academics