Certificate Program on Credit Analysis

Certificate Program on Credit Analysis


The certificate program on Credit Analysis helps participants to enhance analytic skills needed in the assessment of corporate borrowers or counterparties. It helps the participants to use a structured and systematic approach to evaluate the credit standing of companies in a variety of industrial and service industries. This program has been designed specifically for working professionals to:

  • Apply credit analysis to assess borrowers in real cases
  • Perform ratio analysis and cash flow analysis
  • Structure loan products in a competitive way
  • Identify and work-out problem loans
  • Day 1
    1. Overview of Credit Analysis 2. Lending Process
    Stages in credit risk Various steps involved in loan appraisal
    Importance of credit analysis in credit risk Components of a bank's lending policy
    Principles of credit analysis Loan Documentation
    Seven Cs of credit analysis Loan Pricing and Profitability Analysis
    Steps in credit analysis process Regulations related to lending

    Day 2
    3. Financial Statement Analysis 4. Non-Financial Analysis
    Liquidity ratios, turnover ratios, profitability ratios, leverage ratios and market ratios Economy, Industry and Company (EIC) framework
    Comparative analysis Models for non-financial analysis
    Statement of Cash Flows Case studies for analysis

    Day 3
    5. Asset Classification and Loan Loss Provisioning 6. Borrowing Causes and Sources of Repayment
    Need for asset quality assessment Need for asset quality assessment
    Quantitative and Qualitative Review of asset quality Loan classification practices in various countries
    Categories of asset classification
    Special mention assets
    Loan classification practices in various countries

    Day 4
    7. Problem Loans 8. Consumer Instalment Lending
    Non-performing loans (NPLs) Types and characteristics of consumer instalment lending
    Methods of resolving NPLs Various types of Instalment loans
    How to prevent NPLs Dealer Agreement, Recourse and Dealer Reserve
    Common risks faced in consumer instalment lending

    Day 5
    9. Floor Plan Lending 10. Accounts Receivable and Inventory Lending
    Characteristics of Floor Plan Lending Concept of Accounts Receivable and Inventory Based Lending
    Methods of Floor Plan Lending Risks faced in Accounts Receivable and Inventory Based Lending
    Risks Associated with Floor Plan Lending

    Day 6
    11. Participation Loan 12. Letter of Credit and Loan Commitments
    The Concept of Loan participation Concept of Letter of Credit (LC)
    Need for Loan participation Types of Letter of Credit
    Process of Loan participation Risks faced in Letter of Credit
    Risks faced in Loan participation Loan commitments, Unfunded lines of credit and their characteristics
    Potential credit risk in loan commitments and unfunded lines of credit

  • Bankers
  • Stock Brokers
  • Credit Analysts
  • Credit Officers
  • Commercial Loan Officers
  • Loan Review Officers
  • Relationship Managers
  • Branch Managers
  • 6 Full Days (Saturdays & Sundays)
    10.00 am to 5.30 pm

    Rs.22,000 + Applicable Taxes per participant inclusive of tuition fees, reference material and (morning / evening) refreshments only.

    For further details regarding contents,
    E-mail: training@bseindia.com