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Banking Credit Analysis Process (For Bankers)
Last updated 12/2022
MP4 | Video: h264, 1280x720 | Audio: AAC, 44.1 KHz
Language: English | Size: 15.53 GB | Duration: 44h 13m
Course for Bankers, Consultants and managers to Understand Credit Analysis Process from Indian Context.
What you'll learn
Understand What is Credit Analysis
How to evaluate Credit Proposal
How to analyse Financial Statements
How to analyse Term loan Projects
Understand What is Project Financing
How to arrive at Working Capital
What is Working Capital Cycle
What is letter of Credit
What is Bank Guarantee
Understand, Detailed Process of Credit Analysis
Requirements
No prior knowledge is required for taking this course.
Students need PC / Laptop / Tab / Mobile (supporting Android / iOS) to view this course
Description
Are you struggling in understanding banking credit related matters like Financial Ratio Analysis, Cash Flow and Fund Flow Analysis, Working Capital Assessment and products like Cash Credit, Letter of Credit, Bank Guarantee, Buyers Credit, Term Loan appraisal covering Debt Equity Analysis, DSCR, FOIR, etc.? Are you a Finance Professional working on Project Funding for your clients? Are you finding it difficult to write down a comprehensive loan proposal? Are you a Banker aspiring to rise to top in your career? Then this course is for you - Banking Credit Analysis Process.Why you should take this course?Credit Analysis is the core process adopted by any Bank to understand, evaluate and appreciate about the Customers Identity, Integrity, Financial Position, - Repayment Capacity, Etc. Every Banker should be thorough with Credit Analysis Process because day in day out they have to deal with new customers and before sanctioning any new loans to them, Banker should have made detailed study of their customers.No Banker can raise to top unless he becomes conversant with Credit Analysis Process. Bank would generally throw employees on to the job before they get opportunity to be trained. This is with more specific reference to Credit Analysis where Bankers should under detailed learning process, else their mistakes in the process will be Very Costly beyond their manageable Position.Hence, this course will provide platform to Bankers to have fall back reference on the Critical Aspects of Credit Analysis Process. Banking/ Management Consultants can also use this course for the equipping themselves to the expectations of the Bankers while handling Credit Proposals. By taking this course, you will be able to Write Bank Loan Proposals with better clarity and confidence.You will understand various technical matters written in Bank Loan Proposals.What you will learn by taking this course?By taking this course, you will be exposed toSec 1 - Introduction to Credit AnalysisSec 2 - Financial Statements reading skillSec 3 - How to write Loan Proposal - IntroductionSec 4 - Financial Ratio AnalysisSec 5 - Performance and Financial Indicators Analysis in Loan ProposalSec 6 - Fund Flow Analysis for Identifying Diversion of FundsSec 7 - Cash Flow Analysis for Understanding Cash Generation and MovementSec 8 - Inter-firm Comparison, Internal & External Rating and Review of Conduct of AccountsSec 9 - Review of Audit Reports, Compliances, Contingencies and Risk FactorsSec 10 - Finer Pricing, Review of Defaulters List & Loan PolichySec 11 - Types of Business LoansSec 12 - Working CapitalSec 13 - Cash CreditSec 14 - Non Fund Based Credit FacilitiesSec 15 - Letter of CreditSec 16 - Bank GuaranteeSec 17 - Project ReportSec 18 - Term Loan AppraisalSec 19 - DSCR & FOIR Computation in Term LoanSec 20 - Break Even AnalysisSec 21 - Sensitivity AnalysisSec 22 - Credit RatingSec 23 - Credit ScoringSec 24 - Key Analysis by BankersSec 25 - Marginal Cost of Funds based Lending Rate (MCLR)Sec 26 - Export CreditSec 27 - Terms of Payment in Export TransactionsSec 28 - Export FinanceSec 29 - CMA (Credit Monitoring Arrangement)Sec 30 - Computerised Accounting SystemSec 31 - Banking OperationsSec 32 - Operational Aspects of KYCSec 33 - Loan AccountsSec 34 - QuizSec 35 - Import FinanceSec 36- Other Banking Products How this course is structured?This course is structured in self paced learning style. Each and every section of this course is broken down as various micro lectures and then they are substantiated with examples and case studies. Several real world examples are used in this course through case studies. You'll gain authority on each and every topic as i take you through lectures one by one. This course is presented in simple language with examples. This course has video lectures (with writings on Black / Green Board / Note book / Talking head, etc). You would feel you are attending a real class. What are the pre-requisites for taking this course?You would require good internet connection for interruption free learning process - You can approach this course with fresh mind.How this course will benefit you?At the end of the course, you will be able to approach credit related matters in your bank with high level of confidence and solve real life problems at ease.
Overview
Section 1: Introduction to Banking Credit Analysis Process
Lecture 1 Welcome Lecture
Lecture 2 Why Credit Analysis Required
Lecture 3 Know Your Customers
Lecture 4 Know Customer Integrity
Lecture 5 Know Performance Efficiency
Lecture 6 Know Financial Position and ability to Pay Back
Lecture 7 Know about Industry
Lecture 8 Legal and Valuation of Securities
Lecture 9 Why Past Loans Matter
Lecture 10 Decision making in Credit
Lecture 11 Difference between Corporate Lending and Retail Lending
Lecture 12 Know Your Customer Policies
Lecture 13 Decision making in Credit
Lecture 14 Difference between Corporate Lending and Retail Lending
Lecture 15 Information Exchange amongst Lending Institutions and Credit Information Compani
Lecture 16 Dun & Bradstreet
Lecture 17 Negative List of Information
Lecture 18 Central Repository of Information of Large Credits
Section 2: Financial Statements Reading Skill
Lecture 19 Financial Statements
Lecture 20 Income Statement and Balance Sheet
Lecture 21 Sources and Uses of Funds
Lecture 22 Financial Statement Making Process
Lecture 23 Difference between Income, Liability, Expense and Assets
Lecture 24 Profit and Cash
Lecture 25 Structure of Balance Sheet
Lecture 26 What is important in Reading Balance Sheet
Lecture 27 Second Balance Sheet Reading Skill Understanding Liquidity Position
Lecture 28 Third Balance Sheet Reading Skill - Performance Measurement
Section 3: How to write Bank Loan Proposal - Introduction
Lecture 29 Introduction
Lecture 30 Capture Borrower Profile
Lecture 31 Write Brief Background of Borrower
Lecture 32 Industry / Sector of Borrwer Write Up
Lecture 33 Proposal request Template Format
Lecture 34 Credit Limits Table Formulation
Lecture 35 Group Exposure Table and Interpretation
Lecture 36 Banking Arrangement and Sharing Pattern
Lecture 37 Information Exchange amongst Lending Institutions & Credit Information Companies
Lecture 38 Dun & Bradstreet
Lecture 39 Negative List of Information
Lecture 40 Central Repository of Information of Large Credits
Section 4: Analysis of Financial Ratios
Lecture 41 Introduction to Ratio Analysis (Talking Head)
Lecture 42 Classification of Ratio (Talking Head)
Lecture 43 Introduction to Liqudity Ratio (Talking Head)
Lecture 44 Classification of Liquidity Ratio (Talking Head)
Lecture 45 Current Ratio (Talking Head)
Lecture 46 Quick Ratio (Talking Head)
Lecture 47 Ideal Current Ratio and Quick Ratio (Talking Head)
Lecture 48 Absolute liqudity Ratio (Talking Head)
Lecture 49 Basic Defense interval Ratio (Talking Head)
Lecture 50 Capital Structure Ratios (Talking Head )
Lecture 51 Turn over Ratio (Talking Head )
Lecture 52 Inventory Turn over Ratio (Talking Head )
Lecture 53 Debtors Turn over Ratio (Talking Head)
Lecture 54 Creditors Turn over Ratio (Talking Head)
Lecture 55 Inventory Holding Period (Talking Head)
Lecture 56 Debtors Collection Period (Talking Head)
Lecture 57 Creditors Payment Period (Talking Head)
Lecture 58 Case Study 1 Ratio Analysis (Talking Head)
Lecture 59 Case Study 2 Ratio Analysis (Talking Head)
Lecture 60 Case Study 3 Ratio Analysis (Talking Head)
Lecture 61 Case Study 4 Ratio Analysis (Talking Head)
Lecture 62 Debt Service Coverage Ratio (Talking Head)
Lecture 63 Interest Coverage Ratio (Talking Head)
Lecture 64 Preference Dividend Coverage Ratio (Talking Head)
Lecture 65 Capital Gearing Ratio (Talking Head)
Lecture 66 Profitability Ratio (Talking Head)
Lecture 67 General Profitability Ratio (Talking Head)
Lecture 68 Return on Investment Ratios (Talking Head)
Lecture 69 Various Ratio for Equity Share holders (Talking Head)
Lecture 70 Market Value Ratios (Talking Head)
Lecture 71 Summary and limitation of Ratio Analysis (Talking Head)
Section 5: Performance and Financial Indicators Analysis in Loan Proposal
Lecture 72 Sales Movement Analysis while writing Loan Proposal
Lecture 73 Export Sales Movement
Lecture 74 Analysis of Raw Material Cost
Lecture 75 Analysis of Power Cost
Lecture 76 Analysis of Direct Labour Cost
Lecture 77 Analysis of Selling, General & Admin Cost
Lecture 78 Analysis of Operating Profit
Lecture 79 Analysis of Profit and Profitability
Lecture 80 Analysis of Cash Accruals
Lecture 81 Analysis of PBDIT and Interest Coverage Ratio
Lecture 82 Analysis of Paid Up Capital
Lecture 83 Analysis of TNW, Adjusted TNW and TOL / TNW in Loan Proposal
Lecture 84 Analysis of Current Ratio and Net Working Capital in Loan Proposal
Lecture 85 Analysis of Debt Service Coverage Ration (DSCR) in Loan Proposal
Lecture 86 Analysis of Efficiency Ratios in Loan Proposal
Lecture 87 Comments on Performance and Financial Indicators
Section 6: Fund Flow Analysis for Identifying Diversion of Funds
Lecture 88 Introduction to Fund Flow Analysis (Talking Head)
Lecture 89 Importance of Fund Flow Analysis (Talking Head)
Lecture 90 Fund Flow Through some Numbers (Talking Head)
Lecture 91 Fund Flow Through Digram (Talking Head)
Lecture 92 How to identify long term Sources and Uses (Talking Head)
Lecture 93 Example of Long Term Source And Uses (Talking Head)
Lecture 94 Standard Format of Fund Flow Statement (Talking Head)
Lecture 95 Fund Flow Analysis Case Study
Lecture 96 Fund Flow Statement Analysis of Real Case
Lecture 97 Deficit Analysis in Fund Flow Statement
Lecture 98 Estimate vs Actuals analysis in Fund Flow Statement
Lecture 99 Comprehensive Analysis 1 of Fund Flow Statement
Lecture 100 Comprehensive Analysis 2 of Fund Flow Statement
Lecture 101 Comprehensive Analysis 3 of Fund Flow Statement
Section 7: Cash Flow Analysis for Understanding Cash Generation and Movement
Lecture 102 Cash Flow Statement Introduction (Talking Head)
Lecture 103 Cash Flows from Various Activities (Talking Head)
Lecture 104 Cash Flow Statement Direct Method (Talking Head)
Lecture 105 Cash Flow Statement Indirect Method (Talking Head)
Lecture 106 Case Study 1 Cash flow study (Talking Head)
Lecture 107 Case Study 2 Cash flow study (Talking Head)
Lecture 108 Case Study 3 Cash flow study (Talking Head)
Lecture 109 Cash Flow Analysis in Loan Proposal
Lecture 110 Cash Flow Analysis in Loan Proposal 2
Lecture 111 Cash Flow Analysis in Loan Proposal 3
Lecture 112 Cash Flow Analysis in Loan Proposal 4
Section 8: Real Life Balance Sheet Analysis - Adani Enterprises Limited
Lecture 113 Reading Balance Sheet of Adani Enterprise Limited
Lecture 114 Fundamental Analysis Part 1
Lecture 115 Cash Accruals & Asset Turnover
Lecture 116 Reading Cash Flow Statement of Adani Enterprises Limited
Section 9: Real Life Balance Sheet - Infosys Limited
Lecture 117 Reading Balance Sheet of Infosys Limited
Section 10: Interfirm Comparison, Internal & External Rating and Review of Conduct of Accoun
Lecture 118 Inter firm Comparison in Loan Proposal
Lecture 119 Inter firm Comparison in Loan Proposal Case 1
Lecture 120 Internal Rating in Loan Proposal
Lecture 121 Internal Rating in Loan Proposal - More Insights
Lecture 122 External Rating in Loan Proposal
Lecture 123 Review of Conduct of Accounts in Loan Proposal
Lecture 124 Review of Cash Credit Account
Lecture 125 Review of Term Loan Accounts
Lecture 126 Review of Letter of Credit Facility
Lecture 127 Review of Bank Guarantee
Section 11: Review of Audit Reports, Compliances, Contingencies and Risk Factors
Lecture 128 Review of Warning Signals and Audit Reports in Loan Proposal
Lecture 129 Review of Compliance of Financial Covenants & Sanction Conditions
Lecture 130 Review of Contingent Liabilities and Statutory Dues
Lecture 131 Addressing Risk and Mitigating Factors
Section 12: Finer Pricing, Review of Defaulters List & Loan Policy
Lecture 132 Finer Pricing
Lecture 133 Defaulters List
Lecture 134 Loan Policy
Section 13: Non-Corporate Entities - Features which Bankers should be aware
Lecture 135 Financing Partnership Firm - Part 1
Lecture 136 Financing Partnership Firm - Part 2
Lecture 137 Tax aspects of Partnership Firm
Lecture 138 Company as Partner
Lecture 139 Trust as Partner
Lecture 140 HUF as Partner
Lecture 141 Minor as Partner
Section 14: Types of Business Loans
Lecture 142 Types of Bank Loans for Business
Lecture 143 Bank Loans for New Projects
Lecture 144 Loans available in banking channel
Section 15: Working Capital
Lecture 145 Working Capital Loans
Lecture 146 Working Capital Cycle
Lecture 147 Tandon Committee Recommendations on Working Capital Assessment
Lecture 148 Working Capital Assessement as per Nayak Committee
Lecture 149 Review of Assessed Bank Finance
Lecture 150 Working Capital Cycle Analysis
Section 16: Cash Credit
Lecture 151 Understanding Cash Credit
Lecture 152 Cash Credit Example
Lecture 153 Cash Credit
Lecture 154 Assessment of Cash Credit - ABF Method
Lecture 155 Assessment of Cash Credit - Conservative Method
Lecture 156 Assessment of CC Book Debts
Lecture 157 Is it ok to substitute creditors with CC / OD?
Section 17: Receivables Financing - Monitoring and Precautionary Aspects
Lecture 158 How to monitor Receivables?
Lecture 159 Precautions - Finance against Bills
Lecture 160 Frauds in Bill Financing
Lecture 161 Accomodation Bills
Section 18: Stock Statement
Lecture 162 What is Stock Statement?
Lecture 163 Importance of Stock Statement
Lecture 164 Drawing Power Computation from Stock Statement
Lecture 165 Drawing Power Computation in case of Multiple Banking Arrangement
Lecture 166 DP against unpaid Stock
Lecture 167 Problem of Inflated Stock Statement
Lecture 168 Why Stock Statements are obtained?
Lecture 169 Advances from Customers and its treatment in Drawing Power Computation
Lecture 170 Why Banks are reluctant to fund Receivables from Related Parties?
Section 19: Non Fund Based Credit Facilities
Lecture 171 What and Why of Non Fund Based Credit Facilities?
Section 20: Letter of Credit
Lecture 172 Letter of Credit
Lecture 173 Documents involved in Letter of Credit
Lecture 174 Types of Letter of Credit
Lecture 175 General aspects related to LC
Lecture 176 Assessment of Letter of Credit
Lecture 177 Letter of Credit (Old Lecture)
Lecture 178 LC Computation (Old Lecture)
Lecture 179 Assessment of Letter of Credit Limit
Section 21: Bank Guarantee
Lecture 180 What is Bank Guarantee?
Lecture 181 Types of Bank Guarantee
Lecture 182 Bid Bond Guarantee
Lecture 183 Advance Payment Guarantee
Lecture 184 Appraisal and Assessement o BG Limits
Lecture 185 Bank Guarantee (Old Lecture)
Lecture 186 Types of Bank Guarantees (Old Lecture)
Lecture 187 What is Bid Bond Guarantee?
Lecture 188 Maintenance bond / guarantee
Lecture 189 What is Retention Money Guarantee?
Lecture 190 What is Advance payment Guarantee?
Section 22: Physical Inspection (Post Sanction)
Lecture 191 Physical follow up - Introduction
Lecture 192 Physical follow up and End Use of Funds
Lecture 193 Steps related to Physical Inspection
Section 23: Project Rep
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