Every day, countless bankers and finance professionals sit in front of credit files and feel the same struggle—balance sheets look like puzzles, CMA data feels overwhelming, risk ratings seem confusing, and loan proposals are full of uncertainty. The fear of missing a red flag or making a wrong judgment keeps them anxious. Many quietly admit that despite years of experience, they still lack a clear, structured approach to credit and financial analysis. That’s the hell—confusion, self-doubt, and missed opportunities.

The Credit and Financial Analysis Mastery course is your bridge out of that trap. By the end, you’ll have complete clarity on how bankers actually do credit and financial analysis—from reading balance sheets and assessing working capital to preparing CMA data, rating risk, and appraising loans. You’ll move from guessing to knowing, from fearing mistakes to being trusted as the go-to expert in your department.

And here’s the good news: it doesn’t take years. With just 30-45 minutes a day on weekdays (or a bit more on weekends), you can complete the program in about 3–4 months—without disturbing your job or personal life.

The likelihood of success is extremely high. This isn’t random theory but a structured, step-by-step roadmap, already validated by thousands of bankers and finance professionals. Real-life case studies, CMA templates, and Q&A support ensure you’re never stuck. All you need to do is follow the proven path.

Finally, the effort required is minimal compared to the reward. No long study hours, no need for leave. Just consistent short sessions—and every effort directly translates into job-ready skills you can apply immediately.

This course is your bridge from confusion to clarity, from being one among many to being recognized as the expert, and from waiting for opportunities to being entrusted with bigger roles. In just a few months, you’ll transform not only your skills but your career trajectory.

Core Learning Modules 🎓

The Credit and Financial Analysis Mastery course comes with 80+ hours of structured video lectures. These aren’t just surface-level tutorials—they are the core contents and deliverables of the program, carefully designed to give you complete clarity and confidence in handling credit proposals like a pro.

Here’s what you’ll master step by step:

1. Basics of Credit Analysis
2. How to Read Balance Sheet
3. How to do Financial Ratio Analysis
4. How to do Cash Flow Analysis
5. How to do Fund Flow Analysis
6. Credit Risk Rating for Non-Trading Entities
7. Credit Risk Rating for Trading Entities
8. Preparing CMA Report for Bank Loans
9. Preparing Cash Budget for Bank Loans
10. Assessing Fund-Based Working Capital (CC/OD)
11. Assessing Non-Fund-Based Facilities (LC & BG)
12. Term Loan Appraisal & Assessment
13. Basic Elements of Loan Proposal
14. Case Studies in Credit Analysis
15. Collateral Securities

📌 These modules form the foundation of your transformation—giving you job-ready skills in credit and financial analysis.

But that’s not all. Along with these 80+ hours of video lectures, you’ll also get access to exclusive bonuses that make the course even more valuable. (Details further down 👇)

Exclusive Bonus Materials 🎁

The 80+ hours of video lectures are the backbone of your learning. But when you join the Credit and Financial Analysis Mastery course, you don’t just get lectures—you also unlock a complete resource library packed with tools, e-books, tests, and templates to make your journey faster and more powerful.

These bonuses are designed to save you years of trial and error and give you ready-made clarity at your fingertips:

📖 Financial Ratio E-Books

• Basics of Financial Ratio Analysis
• Deep Dive into Current Ratio
• Deep Dive into Debt-Equity Ratio
• Deep Dive into DSCR (Debt Service Coverage Ratio)
• Deep Dive into Inventory Turnover Ratio

📘 Financial Management E-Books

• Cash Flow Analysis
• Capital Structuring
• Financial Break Even Point
• Capital Budgeting & Cash Flow
• Capital Budgeting & Payback and Time Value of Money (Part 1 & 2)
• Conversation about Leverage

📑 Financial Analysis E-Books

• Financial Analysis: Common Mistakes to Avoid
• Financial Statement Analysis: Short Notes
• Simple Guide to Balance Sheet: 40 Q&As

📕 Credit Analysis E-Books

• Introduction to Credit Analysis & Underwriting
• The SME Lender’s Handbook: Fraud Detection & Prevention

📝 Practice & Resources

• Test: Analysis of Financial Statements
• Test: Financing Working Capital Requirements
• Test: Ratio Analysis

📂 Templates

• Project Report & CMA Template

🎧 & 🎥 Audio + Video Resources

• Audio Book: Types of Financing
• Video Book: Financial Statements 101 – Q&A Guide

🚀 Career & Personal Growth Tools

• Career Guide: The Road to the Top (Bank PO to MD)
• Bonus: Child Future Education – Financial Planning Template

💡 With these bonuses, you’re not just learning concepts—you’re building a ready-to-use toolkit you can fall back on for your entire career. Whether it’s analyzing ratios, preparing CMA data, or avoiding common mistakes, you’ll always have the right reference, test, or template at hand.

👉 That’s why learners say this course doesn’t just give knowledge—it transforms the way they work.

Why This Course is Different (and Worth Every Rupee) 💡

Yes, you’ll find plenty of books, free videos, and low-cost tutorials on credit analysis. But here’s the truth: information alone doesn’t transform careers. What makes this course different is:

1️⃣ A Clear Transformation Path
 This isn’t just theory. It’s a step-by-step roadmap that takes you from confusion to clarity. From struggling with credit files to handling them with absolute confidence.

2️⃣ Time-Saving, Structured Learning
 No more piecing together random YouTube clips or scattered notes. In just 3–4 months (30-45 minutes a day), you’ll finish a curriculum that would otherwise take years to figure out.

3️⃣ Built by Practitioners, Trusted by Thousands
 We’ve trained thousands of bankers and finance professionals across leading institutions. Everything here is tested in the real world of credit appraisal, CMA data, and loan sanctioning.

4️⃣ Career Acceleration, Not Just Learning
 This course doesn’t just fill your mind—it builds your career. Promotions, recognition, bigger files, higher responsibilities—your skills will pay you back many times over.

5️⃣ Support & Resources
 With access, a private Telegram Q&A group, and a full resource library (templates, tests, e-books, guides), you’ll never feel stuck again.

👉 That’s why this is not “just another online course.” It’s an investment in your career—a premium program that delivers premium results.

✅ How This Course Solves Your Concerns

1. “This is expensive compared to free YouTube videos/books.”
 Free content is scattered and unstructured. This course gives you a step-by-step roadmap, real-world case studies, and ready-to-use templates. What takes years of trial and error, you’ll master in 3–4 months. One promotion or recognition at work pays back the fee many times over.

2. “I don’t have enough time.”
 You don’t need long study hours. With just 30-45 minutes a day on weekdays, you’ll finish in about 3–4 months without disturbing your job or personal life. Everything is pre-recorded, so you can learn anytime—even while commuting.

3. “What if I don’t understand the content?”
 The course is designed to simplify complex topics. Each module builds step by step, with examples, case studies, and tests to reinforce learning. Plus, you’ll never be stuck—our Q&A support in the Telegram group ensures all your doubts are cleared.

4. “Will this actually help my career?”
 Yes—because this isn’t random theory. It’s practical, job-ready skills directly linked to your role: CMA data, working capital assessment, credit risk rating, loan proposals. Many learners have already used this course to earn promotions, handle bigger responsibilities, and switch into higher-paying roles.

5. “Is it relevant to my role?”
 Whether you’re a banker, finance executive, or aspiring analyst, the course covers the exact processes banks use in credit appraisal and loan sanctioning. You’ll learn how to think like a banker, assess borrowers, and prepare proposals that work in the real world.

7. “What if I get stuck and have doubts?”
 You’re never alone. Along with video lectures, you get access to a private Telegram group with Q&A support. Ask your questions anytime, and they’ll be answered—no more learning in isolation.

8. “What if it’s just theory again?”
 This is not classroom theory. You’ll work with real case studies, CMA templates, etc. Every concept is shown with practical application, so you can use it on your very next credit file.

9. “I’ve tried courses before, and they didn’t work for me.”
 The difference here is structure and support. You’re not left to figure things out—you follow a tested roadmap, reinforced with practice, and backed by community support. That’s why thousands of bankers have already succeeded with this program.

👉 “Why Waiting Could Hurt Your Career”

By now, you know exactly how the Credit and Financial Analysis Mastery course can transform your skills and career. But here’s something even more important—what happens if you don’t take action?

If you delay, you’ll continue facing the same struggles:

• Wasting years on scattered learning through free videos and books.
• Missing promotions and recognition when critical files land on your desk.
• Living with the same stress and self-doubt every time you review a financial statement.
• Falling behind in a rapidly changing banking world where only the skilled move ahead.
• Losing precious time, growth, and credibility that you can never recover.

👉 The biggest cost isn’t the course fee—it’s the hidden price you’ll pay in lost opportunities and slower career growth.

That’s why smart learners don’t wait—they invest now, transform faster, and reap the benefits for years to come.

Review / Feedback of learners:

Need some discount?

Simply click on the Whatsapp button located at the bottom right corner and type CFA and press enter. Our team will promptly send you the coupon code via Whatsapp. 

FREQUENTLY ASKED QUESTIONS:

Q1: How to enroll in the course?
Follow these steps:
~Click "add to cart." If you're not signed up, it will direct you to the sign-up page.
~Complete the payment at the gateway.
~You'll receive payment confirmation and course access details via email and WhatsApp.

Q2: How do I access the course after enrollment?
You can access the course on a desktop, laptop, or through Android or iPhone mobile learning apps. For detailed instructions, visit: https://bit.ly/3PTZNvI

Q3: How are doubts resolved?
You will get access to a private Telegram community for questions and answers. Post your doubts, and they will be addressed by the instructor or other mentors (senior bankers and finance professionals) in the community.

Q4) Are the courses Pre-Recorded or LIVE?
All courses are pre-recorded, offering flexibility for you to access them at your convenience.

Q5) How many times can I access the course?
You can access the course as many times as needed during the course period.

Q6) Can I download the courses?
Yes, download courses onto your mobile device using our learning app for offline access.

Q7) Do you provide a certificate of completion?
Upon completing 100% of the course, you'll receive a certificate.

Q8) Any Demo Videos?
Explore our YouTube Channel, CA Raja Classes, for 2000+ Demo Videos: 
https://www.youtube.com/c/CARAJACLASSES/feed?sub_confirmation=1
FREE demo lectures on Credit and Financial Analysis: 
https://courses.carajaclasses.com//s/pages/demo-cfamb  

Q9) How much time is required for the module?
The course comprises 100+ hours of learning resources in the form video lectures and reading materials. Allocate 30-45 minutes per day and 1.5 to 2 hours on holidays over 3-4 months for completion.

Q10) How does the course impact my career?
The course imparts essential skills for credit and financial analysis, crucial in banking. Those who have completed it demonstrate enhanced performance in credit-related jobs and interviews. Banks value officers with such knowledge, making this course a valuable asset for career advancement.