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    Banking Credit Analysis Process (for Bankers)

    BY
    Udemy

    Master the underlying principles of the credit analysis process in banks to get the skills and knowledge required to work as a banker or financial consultant.

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    Mode

    Online

    Fees

    ₹ 4099

    Quick Facts

    particular details
    Medium of instructions English
    Mode of learning Self study
    Mode of Delivery Video and Text Based

    Course overview

    Credit Analysis is the primary procedure used by any bank to comprehend, analyze, and evaluate a customer's authenticity, honesty, economic standing, payback capacity, and other factors. To deal with new clients, the banker should be precise with the Credit Analysis procedure and should conduct thorough research of their consumers before issuing any new loans to them. Banking Credit Analysis Process (for Bankers) online certification is designed by Raja Natarajan - Chartered Accountant and made available by Udemy for people who want to become professional bankers by learning the financial concepts and strategies used in the banking and finance sector to analyze their customers.

    Banking Credit Analysis Process (for Bankers) online course intends to give a reference on the important aspects of the credit analysis process for individuals preparing to become bankers as well as existing bankers. Process of Banking Credit Analysis (for Bankers) online classes cover a wide range of banking and finance topics that enable candidates to calculate and analyze various financial positions, such as financial statement analysis, term loan analysis, working capital analysis, ratio analysis, financial ratio, break-even analysis, sensitivity analysis, supply chain financing, credit rating, and credit scoring. Individuals who complete this course will be able to draft bank loan proposals with more precision and assurance.

    The highlights

    • Certificate of completion
    • Self-paced course
    • English videos with multi-language subtitles
    • 38.5 hours of pre-recorded video content
    • 1 article
    • 32 downloadable resources
    • Case Studies
    • 30-day money-back guarantee 
    • Unlimited access
    • Accessible on mobile devices and TV

    Program offerings

    • Certificate of completion
    • Self-paced course
    • English videos with multi-language subtitles
    • 38.5 hours of pre-recorded video content
    • 1 article
    • 32 downloadable resources
    • Case studies
    • 30-day money-back guarantee
    • Unlimited access

    Course and certificate fees

    Fees information
    ₹ 4,099
    certificate availability

    Yes

    certificate providing authority

    Udemy

    What you will learn

    Knowledge of banking

    After completing the Banking Credit Analysis Process (for Bankers) certification course, individuals will have a better understanding of credit analysis processes and techniques used by banks. Individuals will learn about financial statement analysis, term loan analysis, the working capital cycle, the balance sheet, financial ratios, break-even analysis, ratio analysis, and sensitivity analysis. Individuals will learn about credit rating, credit scoring, system supply chain finance, and corporate banking, as well as the function of computerized accounting.

    The syllabus

    Introduction to Banking Credit Analysis Process

    • Welcome Lecture
    • Why Credit Analysis Required
    • Know Your Customers
    • Know Customer Integrity
    • Know Performance Efficiency
    • Know Financial Position and ability to Pay Back
    • Know about Industry
    • Legal and Valuation of Securities
    • Why Past Loans Matter

    Financial Statements Reading Skill

    • Financial Statements
    • Income Statement and Balance Sheet
    • Sources and Uses of Funds
    • Financial Statement Making Process
    • Difference between Income, Liability, Expense and Assets
    • Profit and Cash
    • Structure of Balance Sheet
    • What is important in Reading Balance Sheet
    • Second Balance Sheet Reading Skill Understanding Liquidity Position
    • Third Balance Sheet Reading Skill - Performance Measurement
    • Test your knowledge in Understanding financial statements- A Conceptual Approach
    • Test your knowledge in Understanding profit and loss account items
    • Test Your knowledge in Understanding Balance sheet

    How to write Bank Loan Proposal - Introduction

    • Introduction
    • Capture Borrower Profile
    • Write Brief Background of Borrower
    • Industry / Sector of Borrwer Write Up
    • Proposal request Template Format
    • Credit Limits Table Formulation
    • Group Exposure Table and Interpretation
    • Banking Arrangement and Sharing Pattern

    Analysis of Financial Ratios

    • Introduction to Ratio Analysis (Talking Head)
    • Classification of Ratio (Talking Head)
    • Introduction to Liqudity Ratio (Talking Head)
    • Classification of Liquidity Ratio (Talking Head)
    • Current Ratio (Talking Head)
    • Quick Ratio (Talking Head)
    • Ideal Current Ratio and Quick Ratio (Talking Head)
    • Absolute liqudity Ratio (Talking Head)
    • Basic Defense interval Ratio (Talking Head)
    • Capital Structure Ratios (Talking Head )
    • Turn over Ratio (Talking Head )
    • Inventory Turn over Ratio (Talking Head )
    • Debtors Turn over Ratio (Talking Head)
    • Creditors Turn over Ratio (Talking Head)
    • Inventory Holding Period (Talking Head)
    • Debtors Collection Period (Talking Head)
    • Creditors Payment Period (Talking Head)
    • Case Study 1 Ratio Analysis (Talking Head)
    • Case Study 2 Ratio Analysis (Talking Head)
    • Case Study 3 Ratio Analysis (Talking Head)
    • Case Study 4 Ratio Analysis (Talking Head)
    • Debt Service Coverage Ratio (Talking Head)
    • Interest Coverage Ratio (Talking Head)
    • Preference Dividend Coverage Ratio (Talking Head)
    • Capital Gearing Ratio (Talking Head)
    • Profitability Ratio (Talking Head)
    • General Profitability Ratio (Talking Head)
    • Return on Investment Ratios (Talking Head)
    • Various Ratio for Equity Share holders (Talking Head)
    • Market Value Ratios (Talking Head)
    • Summary and limitation of Ratio Analysis (Talking Head)
    • Test your knowledge in Analysis of financial statement

    Performance and Financial Indicators Analysis in Loan Proposal

    • Sales Movement Analysis while writing Loan Proposal
    • Export Sales Movement
    • Analysis of Raw Material Cost
    • Analysis of Power Cost
    • Analysis of Direct Labour Cost
    • Analysis of Selling, General & Admin Cost
    • Analysis of Operating Profit
    • Analysis of Profit and Profitability
    • Analysis of Cash Accruals
    • Analysis of PBDIT and Interest Coverage Ratio
    • Analysis of Paid Up Capital
    • Analysis of TNW, Adjusted TNW and TOL / TNW in Loan Proposal
    • Analysis of Current Ratio and Net Working Capital in Loan Proposal
    • Analysis of Debt Service Coverage Ration (DSCR) in Loan Proposal
    • Analysis of Efficiency Ratios in Loan Proposal
    • Comments on Performance and Financial Indicators

    Fund Flow Analysis for Identifying Diversion of Funds

    • Introduction to Fund Flow Analysis (Talking Head)
    • Importance of Fund Flow Analysis (Talking Head)
    • Fund Flow Through some Numbers (Talking Head)
    • Fund Flow Through Digram (Talking Head)
    • How to identify long term Sources and Uses (Talking Head)
    • Example of Long Term Source And Uses (Talking Head)
    • Standard Format of Fund Flow Statement (Talking Head)
    • Fund Flow Analysis Case Study
    • Fund Flow Statement Analysis of Real Case
    • Deficit Analysis in Fund Flow Statement
    • Estimate vs Actuals analysis in Fund Flow Statement
    • Comprehensive Analysis 1 of Fund Flow Statement
    • Comprehensive Analysis 2 of Fund Flow Statement
    • Comprehensive Analysis 3 of Fund Flow Statement

    Cash Flow Analysis for Understanding Cash Generation and Movement

    • Cash Flow Statement Introduction (Talking Head)
    • Cash Flows from Various Activities (Talking Head)
    • Cash Flow Statement Direct Method (Talking Head)
    • Cash Flow Statement Indirect Method (Talking Head)
    • Case Study 1 Cash flow study (Talking Head)
    • Case Study 2 Cash flow study (Talking Head)
    • Case Study 3 Cash flow study (Talking Head)
    • Cash Flow Analysis in Loan Proposal
    • Cash Flow Analysis in Loan Proposal 2
    • Cash Flow Analysis in Loan Proposal 3
    • Cash Flow Analysis in Loan Proposal 4
    • Test your knowledge in Fund Flow And Cash Flow Analysis

    Real Life Balance Sheet Analysis - Adani Enterprises Limited

    • Reading Balance Sheet of Adani Enterprise Limited
    • Fundamental Analysis Part 1
    • Cash Accruals & Asset Turnover
    • Reading Cash Flow Statement of Adani Enterprises Limited

    Real Life Balance Sheet - Infosys Limited

    • Reading Balance Sheet of Infosys Limited

    Interfirm Comparison, Internal & External Rating and Review of Conduct of Accoun

    • Inter firm Comparison in Loan Proposal
    • Inter firm Comparison in Loan Proposal Case 1
    • Internal Rating in Loan Proposal
    • Internal Rating in Loan Proposal - More Insights
    • External Rating in Loan Proposal
    • Review of Conduct of Accounts in Loan Proposal
    • Review of Cash Credit Account
    • Review of Term Loan Accounts
    • Review of Letter of Credit Facility
    • Review of Bank Guarantee

    Review of Audit Reports, Compliances, Contingencies and Risk Factors

    • Review of Warning Signals and Audit Reports in Loan Proposal
    • Review of Compliance of Financial Covenants & Sanction Conditions
    • Review of Contingent Liabilities and Statutory Dues
    • Addressing Risk and Mitigating Factors

    Finer Pricing, Review of Defaulters List & Loan Policy

    • Finer Pricing
    • Defaulters List
    • Loan Policy

    Types of Business Loans

    • Types of Bank Loans for Business
    • Bank Loans for New Projects
    • Loans available in banking channel

    Working Capital

    • Working Capital Loans
    • Working Capital Cycle
    • Tandon Committee Recommendations on Working Capital Assessment
    • Working Capital Assessement as per Nayak Committee
    • Review of Assessed Bank Finance
    • Working Capital Cycle Analysis
    • Test your knowledge in Financing Working Capital Requirements

    Cash Credit

    • Understanding Cash Credit
    • Cash Credit Example
    • Cash Credit
    • Assessment of Cash Credit - ABF Method
    • Assessment of Cash Credit - Conservative Method
    • Drawing Power Computation from Stock Statement
    • Assessment of CC Book Debts

    Non Fund Based Credit Facilities

    • What and Why of Non Fund Based Credit Facilities?

    Letter of Credit

    • Letter of Credit
    • Documents involved in Letter of Credit
    • Types of Letter of Credit
    • General aspects related to LC
    • Assessment of Letter of Credit
    • Letter of Credit (Old Lecture)
    • LC Computation (Old Lecture)
    • Assessment of Letter of Credit Limit

    Bank Guarantee

    • What is Bank Guarantee?
    • Types of Bank Guarantee
    • Bid Bond Guarantee
    • Advance Payment Guarantee
    • Appraisal and Assessement o BG Limits
    • Bank Guarantee (Old Lecture)
    • Types of Bank Guarantees (Old Lecture)
    • What is Bid Bond Guarantee?
    • Maintenance bond / guarantee
    • What is Retention Money Guarantee?
    • What is Advance payment Guarantee?

    Project Report

    • Basics of Project Report

    Term Loan Appraisal

    • Why Business entities should go for Term Loan?
    • Term Loan Appraisal By Banks
    • Term Loan - Nature of Project
    • What is TEV Study?
    • Technical Viability of Project
    • Financial Viability of Project
    • Economic Viability of Project
    • Commercial Viability of Project
    • Managerial aspects of Project
    • Compliance aspects of Project
    • Cost of Project and Means of Finance under Term Loan Appraisal
    • Land Cost and related inputs under cost of Project - Term Loan Appraisal
    • Building Cost and related inputs under cost of Project -Term Loan Appraisal
    • Plant and Machinery Cost and related inputs under cost of Project -Term Loan App
    • Technical Know how and related inputs under cost of Project -Term Loan Appraisal
    • Preliminary Expenses and related inputs under cost of Project -Term Loan Apprais
    • Pre-operative Expenses and related inputs under cost of Project -Term Loan Appra
    • Provision for Contingencies and related inputs under cost of Project -Term Loan
    • Working Capital Margin and related inputs under cost of Project -Term Loan Appra
    • General aspects related to estimation of Cost of Project - Term Loan Appraisal
    • Introduction of Sources of Finance - Term Loan Appraisal
    • Share Capital as source of Finance - Term Loan Appraisal
    • Internal Accruals as source of Finance - Term Loan Appraisal
    • Subsidies as source of Finance - Term Loan Appraisal
    • Debenture as source of Finance - Term Loan Appraisal
    • Term Loan as source of Finance - Term Loan Appraisal
    • Unsecured Loans as source of Finance - Term Loan Appraisal
    • Project Implementation Schedule
    • Production Factors - Term Loan Appraisal
    • Manufacturing Process - Term Loan Appraisal
    • Other Production Factors - Term Loan Appraisal

    DSCR & FOIR Computation in Term Loan

    • DSCR Computation in Term Loan
    • Analysis of DSCR (Gross Average & Net Average)
    • Analysis of DSCR 2 (Gross Average & Net Average)
    • How to improve DSCR?
    • Term Loan Eligibility Calculation
    • FOIR Computation in Term Loan
    • Project Viability - Case Study

    Break Even Analysis

    • Break Even Analysis
    • Break Even Point Example
    • Break Even Point Graph
    • Break Even Test by Bankers
    • Cash Break Even Analysis
    • Break Even Analysis Case 1 in Term Loan Appraisal
    • Break Even Analysis Case 2 in Term Loan Appraisal

    Sensitivity Analysis

    • Sensitivity Analysis in Term Loan Appraisal
    • Sensitivity Analysis Sales Drop Testing Case 1 in Term Loan Appraisal
    • Sensitivity Analysis Variable Cost Increase Testing Case 2 in Term Loan Appraisa
    • Sensitivity Analysis Material Cost Increase Testing Case 3 in Term Loan Appraisa
    • Sensitivity Analysis DSCR Testing Case 4 in Term Loan Appraisal

    Credit Rating

    • ECRA
    • Default
    • Credit Rating Scale
    • Importance of Credit Rating Scale

    Credit Scoring

    • Credit Scoring & Credit Score
    • What is Good Credit Score?
    • What is CIBIL?
    • What is CIBIL Score?
    • Factors affecting CIBIL Score
    • Reasons for Poor Credit Score
    • How to improve Credit Score?
    • Mistakes in Credit Scoring
    • How to correct your Credit Score?
    • 5 Myths around Credit Score

    Key Analysis by Bankers

    • Why Bankers reluctant to sanction Working Capital Facility?
    • Why Bankers are running after seeing this Balance Sheet?
    • Why Current Ratio of at least 1.33 is insisted by Bankers?
    • What are Current Assets and Current Liability?
    • How Bankers Understand Long Term Stability of Business?
    • Return on Investment Case Study
    • Importance of Debt to Equity Ratio
    • Preference Share Capital
    • Why Banks are insisting on Margins on Loans
    • Why Banks insist on Financial Statements
    • How Sales analysis made by Banker

    Marginal Cost of Funds based Lending Rate (MCLR)

    • What & Why of MCLR
    • Calculation of MCLR
    • Misc. Items related to MCLR

    Export Credit

    • Export Credit
    • Preshipment Credit
    • Assessment of Preshipment Credit

    Terms of Payment in Export Transactions

    • Introduction to Terms of Payment
    • Advance Payment
    • Documentary Credit
    • Parties in Documentary Credits
    • Details included in Letter of Credit
    • Practical Mechanism in Letter of Credit
    • Different Kinds of Letters of Credit

    Export Finance

    • Introduction to Export Finance
    • Preshipment Finance - Packing Credit
    • Advance against Incentives
    • Preshipment Credit in Foreign Currency
    • Postshipment Finance
    • Negotiation of Export Documents under Letter of Credit
    • Purchase or Discount of Foreign Bills
    • Advance against bills sent on collection
    • Advance against goods sent on consignement
    • Advance against Export Incentives
    • Advance against undrawn balances and retrention money
    • Post shipment credit in Foreign Currency

    CMA

    • CMA Introduction
    • CMA - Operating Statement
    • Capturing Past Data from Audited Financial Statements
    • Analysing Previous Years Income Statement
    • Analysing Previous Year Liability Statement
    • Analysing Previous Years Asset Statement

    Computerised Accounting System

    • Introduction
    • Classification of comp
    • Features
    • Terms used
    • Differences
    • Adv and Disadv
    • Functions of CAS
    • Comp scope in banking
    • Why compl automation
    • Centralised Infra
    • Core bank and benefits
    • Tech architecture CBS
    • Flow of transaction
    • Information Security
    • SOP PC LAPTOP
    • Pwd Mgmt Policy

    Banking Operations

    • Introduction
    • Functions Of Bank
    • Main Functions Of Bank
    • Front Office And Back Office
    • Outsourcing Activities
    • Operational Instructions In Banks
    • Banking Operations Manual

    Operational Aspects Kyc

    • Operational Aspects Of Kyc Norms
    • Kyc Norms - Customer Acceptance Policy
    • Kyc Norms - Customer Identification Procedure
    • Kyc Monitoring Transaction
    • Kyc Risk Management
    • Selecting Additional Information Kyc
    • Norms For Periodic Updation Of Kyc
    • Kyc Relaxatio
    • Ekyc
    • Customer Service In Banks
    • Atm Transactions
    • Recent Changes In Customer Service - Rbi
    • Bcsbi

    Loan Accounts

    • Introduction
    • Technical Term
    • Technical Term 2
    • Priority Sector 3
    • Technical Term 4
    • Basic Rate
    • Fixed & Floating Rate
    • Penal Rate Of Interest
    • Security
    • Document Of Title To Goods & Bankers General Lien
    • Negative Lien , Restriction Advances, Rehabilitation & Recovery
    • Operational Process Of Loan In Banks
    • Methods For Assessment Of Loans
    • Accounting Aspects Of Loan Products
    • Basic Operating Instructions On Loan Products
    • Operating Manual For C & A
    • Simple Operating Procedure
    • Documentation & Margin
    • Valuation
    • Marketability
    • Insurance
    • Godown Pledged Accounts
    • Pledging Of Stocks
    • Unpledged Goods Stored In Pledged Goods Godown
    • Delivery Of Stock Pledged
    • Submission Of Stock Statements
    • Goods Hypothecated Lying With Unhypothecated Goods
    • Inspection Of Stock
    • Sip
    • Inspating Official Comment In Sir
    • Sa
    • Inspection Charge

    Import Finance

    • What Is Buyers Credit
    • Discontinuation Of Letter Of Undertaking / Letter Of Comfort For Trade Finance

    Other Banking Products

    • What Is Stand By Letter Of Credit?

    Corporate Banking

    • Introduction To Corporate Banking
    • Meaning And Importance Of Corporate Banking
    • Cash Management
    • Rtgs
    • Neft
    • Ecs
    • Receivables Management
    • What Is Cheque Truncation?
    • Introduction To Factoring
    • Functions Of Factor
    • Types Of Factoring
    • Difference Between Bill Discounting & Factoring
    • What Is Forfaiting?
    • Difference Between Forfaiting & Export Factoring
    • Impact Of Factoring On Balance Sheet
    • Trusteeship Services
    • Debenture Trusteeship
    • Security Trusteeship
    • Attorney Ship Services
    • Custodial Services
    • Risks Associated With Custodial Services
    • Business Advisory Services
    • Offshore Banking Services

    Supply Chain Financing

    • Introduction To Supply Chain Financing
    • What Is Supply Chain ?
    • Why Supply Chain Financing Is Important?
    • What Is Vendor Financing?
    • What Is Vendor Receivable Financing?
    • What Is Dealer Financing?
    • Advantages Of Supply Chain Financing To Bank
    • Advantages Of Supply Chain Financing To Oem, Vendor & Dealer

    On Demand Case Studies (In Response To Students Queries)

    • How To Establish Dp For 1st Time Cc Release
    • How To Decide On Credit Period ?
    • Debtors Ageing Analysis
    • Retail Loan For Owner Of Proprietorship
    • Whether Lc Affects Mpbf?
    • Difference Between Lc&Bg
    • Tax Accounting Treatment
    • Whether Tl Repayment Is Funded By Mpbf?
    • How To Understand The Movement Of Net Working Capital
    • Analysis Of Cma Report
    • Dscr Interest Add Bank Confusion
    • Dp For Term Loan
    • Cash Withdrawal From Cc Limit
    • Advance Received From Customer Impact On Current Ratio
    • Why Bank Add Cc Interest While Calculating Dscr
    • How To Calculate Nwc While Tl & Wc Are Given
    • How To Justify When Debtors Increases Only At End Of Year
    • More Tax = More Loan - Myth Or Reality?
    • Why Interest On Term Loan Is Calculated On Average Balance?
    • Difference Between Bills Purchased & Bills Discounting
    • Do You Know The Power Of Cash Discount?
    • Preference Share Capital - Meaning, Features, Ads & Cons
    • Manipulations In Financial Statement & How To Become Better Reader Of Financial
    • What Is Mudra Loan?
    • Why Interest Is Calculated On Average Balance In Term Loan Projections?
    • What Is Rule 72, 114 & 144?
    • What Is Cagr?
    • Difference Between Lc & Bg
    • What Is Lc Bill Discounting?
    • Preference Share Capital - Meaning, Features, Ads & Cons
    • Do You Know The Power Of Cash Discount?
    • How To Identify Manipulations In Financial Statements
    • What Is Nostro Account?
    • What Is Difference Between Schedule Iii & Vi Of Companies Act, 2013?
    • What Is The Difference Between Letter Of Comfort & Guarantee?
    • Why Ecgc Cover Required?
    • Part 1 Whether Company Can Borrow From Directors?
    • Part 2 Whether Company Can Borrow From Director?
    • Part 3 Whether Company Can Borrow From Director?
    • Differences Between Co-Applicant & Guarantor

    Final Section

    • Bonus Lecture

    Instructors

    Mr Raja Natarajan

    Mr Raja Natarajan
    instructor
    Freelancer

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