Credit & Financial Analysis Mastery

SME & Corporate Credit

Build the Pre-Sanction Credit Skills Required for a Successful Banking and Finance Career

Are you a Bank Executive currently working in—or aspiring to move into—Credit or Advances in the SME and Corporate Banking segment?

Would you like to develop practical skills in Pre-Sanction Credit Analysis, Financial Analysis and Credit Underwriting?

Are you looking for a comprehensive, structured online course that allows you to learn at your own pace without affecting your official working hours?

Are you aiming for greater growth and better career opportunities in banking? or

Are you a Finance Executive / Manager / CFO, Finance Professional (CA / CMA / CS), Finance Student, Entrepreneur or aspiring Credit Analyst interested in understanding credit & financial analysis from a banker’s perspective?

Then this course is for you!

About the Course

Credit & Financial Analysis Mastery (SME & Corporate Credit) is a comprehensive online learning program designed for Bank Executives and Finance Professionals who want to acquire practical Pre-Sanction Credit skills.

The course systematically takes you through the complete Credit Underwriting process, covering:

• Credit Analysis
• Balance Sheet Reading
• Financial Ratio Analysis
• Fund Flow Analysis
• Cash Flow Analysis
• Credit Risk Assessment
• CMA Report Preparation
• Cash Budget
• Fund-Based Working Capital Assessment
• Non-Fund-Based Working Capital Assessment
• Term Loan Appraisal
• Credit Proposal Preparation
• Collateral Security Analysis
• Regulatory and Compliance Updates

The program comprises a structured series of video modules, practical case studies, eBooks, templates and supplementary learning resources.

Video Modules (Duration: 90+ Hrs)

Module 1: Basics of Credit Analysis

Understand the fundamental concepts, principles and processes involved in credit analysis.

Module 2: How to Read a Balance Sheet

Learn how to interpret a borrower’s Balance Sheet from a banker’s and credit analyst’s perspective.

Module 3: How to Do Financial Ratio Analysis

Understand and apply important financial ratios used in credit appraisal and lending decisions.

Module 4: How to Do Cash Flow Analysis

Learn how to evaluate the borrower’s cash-generating ability and repayment capacity.

Module 5: How to Do Fund Flow Analysis

Understand the movement and utilisation of funds and identify significant changes in the borrower’s financial position.

Module 6: Credit Risk Rating for Non-Trading Entities

Learn how to assess and rate the credit risk of non-trading business entities.

Module 7: Credit Risk Rating for Trading Entities

Understand the specific parameters used to assess the credit risk of trading businesses.

Module 8: How to Prepare a CMA Report for Bank Loans

Learn how to prepare and analyse Credit Monitoring Arrangement data for bank finance.

Module 9: How to Prepare a Cash Budget for Bank Loans

Understand the preparation and assessment of Cash Budgets for businesses with seasonal or fluctuating working capital requirements.

Module 10: Fund-Based Working Capital Assessment

Learn how bankers assess working capital facilities such as Cash Credit and Overdraft.

Module 11: Non-Fund-Based Credit Facility Assessment

Understand the assessment of Letters of Credit and Bank Guarantees from a banker’s perspective.

Module 12: Term Loan Appraisal and Assessment

Learn how to evaluate Term Loan proposals, including project cost, means of finance, repayment capacity and financial viability.

Module 13: Basic Elements of a Loan Proposal

Understand the essential information, analysis and documentation required in a comprehensive loan proposal.

Module 14: Credit Analysis Case Studies

Apply the concepts learned through practical cases related to Credit and Financial Analysis.

Module 15: Collateral Securities

Understand various types of collateral securities and the related aspects of valuation, documentation and risk mitigation.

Module 16: Questions and Answers

Strengthen your understanding through frequently asked questions and practical explanations relating to credit appraisal.

eBooks and Supplementary Resources

The course includes access to the following eBooks and professional learning resources:

1. Introduction to Credit Analysis and Underwriting
2. Basics of Sole Proprietorship: A Guide for Bankers and Finance Professionals
3. Basics of Partnership Firms: A Guide for Bankers and Finance Professionals
4. Basics of LLP: A Guide for Bankers and Finance Professionals
5. Basics of Trust: A Guide for Bankers and Finance Professionals
6. Basics of Society: A Guide for Bankers and Finance Professionals
7. Understanding the Non-Profit Organisation Business Model: A Guide for Indian Bankers
8. 101 Accounting Terminologies: A Conversational Guide for Bankers and Finance Professionals
9. Simple Guide to the Balance Sheet: 40 Questions and Answers
10. Financial Analysis: Common Mistakes to Avoid
11. How to Understand the Retail Business Model: A Comprehensive Guide for Bankers and Finance Professionals
12. How to Understand the Service-Based Business Model: A Guide for Bankers in Loan Assessments
13. How to Understand the Manufacturing Business Model: A Guide for Bankers and Finance Professionals
14. How to Review GST Returns as a Banker for Effective Lending Decisions
15. How to Review Income Tax Returns as a Banker for Effective Lending Decisions
16. How to Conduct a Pre-Sanction Inspection of Borrower Entities
17. Collateral in Credit Appraisal: Assessment, Valuation and Risk Mitigation
18. The SME Lender’s Handbook: A Guide to Fraud Detection and Prevention
19. Funding Construction Business Units: Strategies and Challenges
20. Lending to Educational Institutions: A Guide for Bankers and Finance Professionals
21. Toolkit – Templates, Models & Checklists
22. Latest RBI Credit Guidelines and Regulatory Updates

What Makes This Course Special?

🔥 100% Pre-Recorded Classes
Learn without disrupting your official working hours.

🔥 Learn Anytime, Anywhere
Access the course at your convenience using a desktop, laptop, Android phone or iPhone.

🔥 Multiple Views During the Access Period
Revisit the lessons as many times as required during your course access period.

🔥 Offline Learning Through the Mobile App
Download eligible lessons through the learning app and continue learning without an internet connection.

🔥 100+ Hours of Learning Resources
Get access to detailed video lectures, eBooks, templates, case studies and supplementary materials.

🔥 Certificate of Completion
Receive a certificate after completing 100% of the course.

🔥 Affordable and Value-Packed Program
Develop highly sought-after professional skills through a comprehensive course offered at an affordable price.

🔥 Lifetime Q&A Support
Get continued support through a private Telegram community comprising the instructor, senior bankers and finance professionals.

Who Should Enrol?

This course is suitable for:

• Bank Executives working in Branch Banking
• Credit Officers and Credit Analysts
• Bankers aspiring to move into Credit or Advances
• SME and Corporate Banking Professionals
• Finance Executives and Finance Professionals
• Chartered Accountants, Cost Accountants and Company Secretaries
• Auditors and Consultants
• MBA Finance and Commerce Students
• Entrepreneurs and Business Owners
• Candidates preparing for credit-related interviews
• Anyone interested in understanding bank lending and credit appraisal

Learning Outcome

After completing this course, you will be better equipped to:

• Understand the complete Pre-Sanction Credit process
• Analyse financial statements from a banker’s perspective
• Evaluate business models and borrower risks
• Perform financial ratio, cash flow and fund flow analysis
• Assess working capital and Term Loan requirements
• Understand LC and BG assessment
• Review GST Returns and Income Tax Returns
• Analyse collateral securities
• Identify financial and operational warning signals
• Understand Credit Risk Rating
• Prepare and evaluate CMA Reports and loan proposals
• Apply current RBI guidelines in credit decisions
• Approach credit-related assignments and interviews with greater confidence

Frequently Asked Questions

Q1. How can I enrol in the course?

Follow these simple steps:

1. Click “Add to Cart.”
2. If you have not already registered, you will be redirected to the sign-up page.
3. Complete the payment through the available payment gateway.
4. Payment confirmation and course access details will be sent to you through email and WhatsApp.

Q2. How can I access the course after enrolment?

You can access the course through a desktop, laptop, Android phone or iPhone using our learning platform and mobile applications.

For detailed instructions, visit:

https://drive.google.com/file/d/1_FTT4Qd2ef8hAW9_jIoRmOO1996N8M78/view?usp=sharing

Q3. How will my doubts be resolved?

You will receive access to a private Telegram Q&A community. You can post your course-related questions in the group, and they will be addressed by the instructor or other mentors, including senior bankers and finance professionals.

Q4. Is the course pre-recorded or LIVE?

All the course modules are pre-recorded. This gives you the flexibility to learn at your preferred time and pace.

Q5. How many times can I access the course?

You may access and revisit the lessons as many times as required during your course access period.

Q6. Can I download the course?

Eligible course lessons can be downloaded to your mobile device through our learning application for offline viewing.

Q7. Will I receive a certificate?

We offer two certificate options:

Option 1: CA Raja Classes Certificate (Free)
Receive a Course Completion Certificate from CA Raja Classes after successfully completing the course. No additional charges.

Option 2: Premium Co-branded Certificate
Earn a prestigious certificate jointly issued by CA Raja Classes and the BFSI Sector Skill Council of India (under the Ministry of Skill Development & Entrepreneurship, Govt. of India).

To obtain this certificate, you need to complete 3 months of learning, appear for and pass the *online examination*. The applicable fees are:

• Examination Fee: ₹990
• Certification Fee: ₹2,490

The co-branded certificate adds greater credibility to your profile and can strengthen your professional résumé.

Q8. Are demo videos available?

Yes. You can explore 2,000+ demo and educational videos on the CA Raja Classes YouTube channel:

https://www.youtube.com/c/CARAJACLASSES/feed?sub_confirmation=1

You can also access free demo lectures on Credit and Financial Analysis here:

https://courses.carajaclasses.com/s/pages/demo-cfamb

Q9. How much time is required to complete the course?

The course contains 100+ hours of learning resources, including video lectures and reading materials.

For comfortable completion, you may allocate:

• 30–45 minutes on working days
• 1.5–2 hours on holidays

With consistent learning, the course can generally be completed within approximately 3–4 months.

Q10. How can this course support my career?

Credit and Financial Analysis skills are essential for professionals working in banking, lending and finance.

The knowledge gained through this course can help you:

• Perform more confidently in credit-related assignments
• Prepare for credit and banking interviews
• Understand borrower financials and business risks
• Improve your credit appraisal and underwriting capabilities
• Prepare yourself for roles in SME and Corporate Credit
• Build a strong foundation for long-term career growth in banking and finance

Banks and financial institutions value professionals who can understand financial statements, evaluate credit risk and take informed lending decisions. This course is designed to help you develop those practical capabilities.

Take the Next Step in Your Banking and Finance Career

Develop the practical Pre-Sanction Credit, Financial Analysis and Underwriting skills required for SME and Corporate Banking.

Enrol in Credit & Financial Analysis Mastery and begin learning at your own pace and convenience.

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