Banking Credit Analysis Process (for Bankers)

5 (12 ratings)

Instructor: CA N Raja, B.Com., PGDBA, FCA

Language: English

Enrolled Learners: 2201

Validity Period: 365 days

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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 a Banker aspiring torise 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.

What you will learn by taking this course?

By taking this course, you will be exposed to

Sec 1 - Introduction to Credit Analysis

Sec 2 - Financial Statements reading skill

Sec 3 -Financial Ratio Analysis

Sec 4 - Fund Flow Analysis for Identifying Diversion of Funds

Sec 5 - Cash Flow Analysis for Understanding Cash Generation and Movement

Sec 6 - Types of Business Loans

Sec 7 - Working Capital

Sec 8 -Cash Credit

Sec 9 - Non Fund Based Credit Facilities

Sec 10 - Letter of Credit

Sec 11 - Bank Guarantee

Sec 12 - Project Report

Sec 13 - Term Loan Appraisal

Sec 14 - Project Viability

Sec 15 - Cost of Project

Sec 16 - Break Even Analysis

Sec 17 - Credit Rating

Sec 18 - Credit Scoring

Sec 19 - Key Analysis by Bankers

Sec 20 - Marginal Cost of Funds based Lending Rate (MCLR)

Sec 21 - Export Credit

Sec 22 - Terms of Payment in Export Transactions

Sec 23 - Export Finance

Sec 24 - CMA (Credit Monitoring Arrangement)

Sec 25 - Computerised Accounting System

Sec 26 - Banking Operations

Sec 27 - Operational Aspects of KYC

Sec 28 - Loan Accounts

Sec 29 - Quiz

Sec 30 - Import Finance

Sec 31- 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.

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Chapter-1 Introduction to Credit Analysis
	promo
	Promo
	Why Credit Analysis Required
	2726,2403 video with promo.mp4	Preview
	Know Your Customers
	2404.mp4	Preview
	Know Customer Integrity
	2405.mp4
	Know Performance Efficiency
	Know-Performance-Efficiency.mp4
	Know Financial Position and ability to Pay Back
	Know-Financial-Position-and-Ability-to-Pay-Back-1.mp4
	Know about Industry
	Know-about-Industry.mp4
	Legal and Valuation of Securities
	Legal-and-Valuation-of-Securities.mp4
	Why Past Loans Matter
	20ewhypastloansmattermp4.mp4
Chapter-2 Financial Statements Reading Skill
	Financial Statements
	finance-for-non-finance3.mp4
	Income Statement and Balance Sheet
	2-Income-Statement-and-Balance-Sheet.mp4
	Sources and Uses of Funds
	Sources-and-Uses-of-Funds.mp4
	Financial Statement Making Process
	4-Financial-Statement-Making-Process.mp4
	Difference between Income, Liability, Expense and Assets
	5-DIFFERENTIATING-FACTOR-FOR-ASSET-LIABILITY-INCOME-AND-EXPENSE.mp4
	Profit and Cash
	Profit-and-Cash.mp4
	Structure of Balance Sheet
	4-Structure-of-Balance-Sheet.mp4	Preview
	What is important in Reading Balance Sheet
	3-What-is-important-in-Reading-Balance-Sheet.mp4
	Second Balance Sheet Reading Skill Understanding Liquidity Position
	untitledmp4.mp4
	Third Balance Sheet Reading Skill - Performance Measurement
	3rd-Balance-Sheet-Reading-Skill.mp4
Chapter-3 Analysis of Financial Ratios
	Introduction to Ratio Analysis (Talking Head)
	2948.mp4	Preview
	Classification of Ratio (Talking Head)
	2947
	Introduction to Liqudity Ratio (Talking Head)
	2946.mp4	Preview
	Classification of Liqudity Ratio (Talking Head)
	34 FM34.mp4
	Current Ratio (Talking Head)
	35 FM35.mp4	Preview
	Quick Ratio (Talking Head)
	36 FM36.mp4
	Ideal Current Ratio and Quick Ratio (Talking Head)
	37 EM37.mp4
	Absolute liqudity Ratio (Talking Head)
	38 FM38.mp4
	Basic Defense interval Ratio (Talking Head)
	39 FM39.mp4
	Capital Structure Ratios (Talking Head )
	40 FM40.mp4
	Turn over Ratio (Talking Head )
	41 FM41.mp4
	Inventory Turn over Ratio (Talking Head )
	42 FM24.mp4
	Debtors Turn over Ratio (Talking Head)
	43 FM43.mp4
	Creditors Turn over Ratio (Talking Head)
	44 FM44.mp4
	Inventory Holding Period (Talking Head)
	45 FM45.mp4
	Debtors Collection Period (Talking Head)
	46 FM46.mp4
	Creditors Payment Period (Talking Head)
	47 FM47.mp4
	Case Study 1 Ratio Analysis (Talking Head)
	48 FM48.mp4
	Case Study 2 Ratio Analysis (Talking Head)
	49 FM49.mp4
	Case Study 3 Ratio Analysis (Talking Head)
	50 FM50.mp4
	Case Study 4 Ratio Analysis (Talking Head)
	51 FM51.mp4
	Debt Service Coverage Ratio (Talking Head)
	52 FM52.mp4
	Interest Coverage Ratio (Talking Head)
	53 FM53.mp4
	Preference Dividend Coverage Ratio (Talking Head)
	54 FM54.mp4
	Capital Gearing Ratio (Talking Head)
	55 FM55.mp4
	Profitability Ratio (Talking Head)
	56 FM56.mp4
	General Profitability Ratio (Talking Head)
	57 FM57.mp4
	Return on Investment Ratios (Talking Head)
	58 FM58.mp4
	Various Ratio for Equity Share holders (Talking Head)
	59 FM59.mp4
	Market Value Ratios (Talking Head)
	60 FM60.mp4
	Summary and limitation of Ratio Analysis (Talking Head)
	61 FM61.mp4
Chapter 4 - Fund Flow Analysis for Identifying Diversion of Funds
	Introduction to Fund Flow Analysis (Talking Head)
	2950.mp4	Preview
	Importance of Fund Flow Analysis (Talking Head)
	74 FM74.mp4
	Fund Flow Through some Numbers (Talking Head)
	75 FM75.mp4
	Fund Flow Through Digram (Talking Head)
	76 FM76.mp4
	How to identify long term Sources and Uses (Talking Head)
	77 FM77.mp4
	Example of Long Term Source And Uses (Talking Head)
	78 FM78.mp4
	Standard Format of Fund Flow Statement (Talking Head)
	79 FM79.mp4
	Fund Flow Analysis Case Study
	4-FFA-CS-4.mp4
	Fund Flow Statement Analysis of Real Case
	FFS1.mp4
Chapter -5 Cash Flow Analysis for Understanding Cash Generation and Movement
	Cash Flow Statement Introduction (Talking Head)
	66-FM66.mp4	Preview
	Cash Flows from Various Activities (Talking Head)
	67-FM67.mp4
	Cash Flow Statement Direct Method (Talking Head)
	68-FM68.mp4
	Cash Flow Statement Indirect Method (Talking Head)
	69-FM69.mp4
	Case Study 1 Cash flow study (Talking Head)
	70-FM70.mp4
	Case Study 2 Cash flow study (Talking Head)
	71-FM71.mp4
	Case Study 3 Cash flow study (Talking Head)
	72-FM72.mp4
Chapter - 6 Types of Business Loans
	Types of Bank Loans for Business
	20c Types of Bank Loans for Business.mp4	Preview
	Bank Loans for New Projects
	20d Bank Loans for New Projects.mp4
	Loans available in banking channel
	23aLoansavailableinbankingchannel.mp4
Chapter - 7 Working Capital
	Working Capital Loans
	23b Working Capital Loans.mp4	Preview
	Working Capital Cycle
	23c Working Capital Cycle.mp4
	Tandon Committee Recommendations on Working Capital Assessment
	145 CFA145.mp4
	Working Capital Assessement as per Nayak Committee
	2424.mp4
Chapter - 8 Cash Credit
	Understanding Cash Credit
	23d Understanding Cash Credit.mp4	Preview
	Cash Credit Example
	23e Cash Credit Example.mp4
	Cash Credit
	2422.mp4
	Assessment of Cash Credit - ABF Method
	322-CFA322.mp4
	Assessment of Cash Credit - Conservative Method
	323-CFA323.mp4
	Drawing Power Computation from Stock Statement
	324-CFA324.mp4
Chapter 9 - Non Fund Based Credit Facilities
	What and Why of Non Fund Based Credit Facilities?
	329 CFA329.mp4
Chapter 10 - Letter of Credit
	Letter of Credit
	2905.mp4
	Documents involved in Letter of Credit
	332 CFA332.mp4
	Types of Letter of Credit
	333 CFA333.mp4
	General aspects related to LC
	334 CFA334.mp4
	Assessment of Letter of Credit
	335 CFA335.mp4
	Letter of Credit (Old Lecture)
	23g Letter of Credit.mp4	Preview
	LC Computation (Old Lecture)
	23i LC Computation.mp4
Chapter 11 - Bank Guarantee
	What is Bank Guarantee?
	2949.mp4	Preview
	Types of Bank Guarantee
	337 CFA337.mp4
	Bid Bond Guarantee
	338 CFA338.mp4
	Advance Payment Guarantee
	339 CFA339.mp4
	Appraisal and Assessement o BG Limits
	340 CFA340.mp4
	Bank Guarantee (Old Lecture)
	23k Bank Guarantee.mp4	Preview
	Types of Bank Guarantees (Old Lecture)
	23l Types of Bank Guarantees.mp4
	What is Bid Bond Guarantee?
	2915(2).mp4	Preview
	Maintenance bond / guarantee
	2952.mp4
	What is Retention Money Guarantee?
	2953.mp4
	What is Advance payment Guarantee?
	2954.mp4	Preview
Chapter 12 - Project Report
	Basics of Project Report
	Basics of Project Report.mp4
Chapter 13 - Term Loan Appraisal
	Term Loan Appraisal By Banks
	9 Term Loan Appraisal By Banks.mp4	Preview
	Term Loan - Nature of Project
	10 Term Loan - Nature of Project.mp4
	Cost of Project and Means of Finance
	11 Cost of Project and Means of Finance.mp4
	Term Loan
	325 CFA325.mp4
	DSCR Computation in Term Loan
	326 CFA326.mp4
	FOIR Computation in Term Loan
	327 CFA327.mp4
	Term Loan Eligibility Calculation
	328 CFA328.mp4
	Why Business entities should go for Term Loan?
	2960.mp4
Chapter 14 - Project Viability
	What is Project Viability
	20f What is Project Viability.mp4	Preview
	Project Viability - Case Study
	20h Project Viability - Case Study.mp4
Chapter 15 - Cost of Project
	Cost of Project
	23t Cost of Project.mp4	Preview
	Land Cost
	23u Land Cost.mp4
	Building Cost
	23v Building Cost.mp4
	Plant and Machinery Cost
	23w Plant and Machinery Cost.mp4
	Preliminary and Preoperative Expenses
	23x Preliminary and Preoperative Expenses.mp4
	Other Cost and Interest duirng Implementation
	23y Other Cost and Interest duirng Implementation.mp4
	Provision for Contingency
	23z Provision for Contingency.mp4
Chapter 16 - Break Even Analysis
	Break Even Analysis
	20iBreakEvenAnalysis.mp4	Preview
	Break Even Point Example
	20j Break Even Point Example.mp4
	Break Even Point Graph
	20k Break Even Point Graph.mp4
	Break Even Test by Bankers
	1108P64BreakEvenTestbyBankers.mp4
	Cash Break Even Analysis
	1108P64CashBreakEvenAnalysis.mp4
Chapter 17 - Credit Rating
	ECRA
	1108P58ECRA.mp4	Preview
	Default
	1108P58Default.mp4
	Credit Rating Scale
	1108P59CreditRatingScale.mp4
	Importance of Credit Rating Scale
	1108P59ImportanceofCreditRating.mp4
Chapter 18 - Credit Scoring
	Credit Scoring & Credit Score
	1172 cfa1172.mp4
	What is Good Credit Score?
	1173 cfa1173.mp4
	What is CIBIL?
	2425.mp4
	Factors affecting CIBIL Score
	1175 cfa1175.mp4
	How to improve Credit Score?
	1179 cfa1179.mp4
	What is CIBIL Score?
	1181 cfa1181.mp4
	Reasons for Poor Credit Score
	1183 cfa1183.mp4
	Mistakes in Credit Scoring
	1185 cfa1185.mp4
	How to correct your Credit Score?
	1187 cfa1187.mp4
Chapter 19 - Key Analysis by Bankers
	Why Bankers reluctant to sanction Working Capital Facility?
	LACS1.mp4
	Why Bankers are running after seeing this Balance Sheet?
	LACS2.mp4
	Why Current Ratio of atleast 1.33 is insisted by Bankers?
	WCR133.mp4	Preview
	What are Current Assets and Current Liability?
	CACL.mp4
	How Bankers Understand Long Term Stability of Business?
	ULTSOB.mp4
	Return on Investment Case Study
	ROICS.mp4
	Importance of Debt to Equity Ratio
	IDER.mp4
	Preference Share Capital
	PSC.mp4
	Why Banks are insisting on Margins on Loans
	WBIMOL.mp4
	Why Banks insist on Financial Statements
	WBIOFS.mp4
	How Sales analysis made by Banker
	HSAMBB.mp4
Chapter 20 - Marginal Cost of Funds based Lending Rate (MCLR)
	What & Why of MCLR
	1 mcl1.mp4
	Calculation of MCLR
	2 mcl2.mp4
	Misc. Items related to MCLR
	3 mcl3.mp4
Chapter 21 - Export Credit
	Export Credit
	341 CFA341.mp4
	Preshipment Credit
	342 CFA342.mp4
	Assessment of Preshipment Credit
	343 CFA343.mp4
Chapter 22 - Terms of Payment in Export Transactions
	Introduction to Terms of Payment
	764 cfa764.mp4
	Advance Payment
	765 cfa765.mp4
	Documentary Credit
	766 cfa766.mp4
	Parties in Documentary Credits
	767 cfa767.mp4
	Details included in Letter of Credit
	768 cfa768.mp4
	Practical Mechanism in Letter of Credit
	769 cfa769.mp4
	Different Kinds of Letters of Credit
	770 cfa770.mp4
Chapter 23 - Export Finance
	Introduction to Export Finance
	771 cfa771.mp4
	Preshipment Finance - Packing Credit
	772 cfa772.mp4
	Advance against Incentives
	773 cfa773.mp4
	Preshipment Credit in Foreign Currency
	774 cfa774.mp4
	Postshipment Finance
	775 cfa775.mp4
	Negotiation of Export Documents under Letter of Credit
	776 cfa776.mp4
	Purchase or Discount of Foreign Bills
	777 cfa777.mp4
	Advance against bills sent on collection
	778 cfa778.mp4
	Advance against goods sent on consignement
	779 cfa779.mp4
	Advance against Export Incentives
	780 cfa780.mp4
	Advance against undrawn balances and retrention money
	781 cfa781.mp4
	Post shipment credit in Foreign Currency
	782 cfa782.mp4
Chapter 24 - CMA
	CMA Introduction
	190889CMAIntroduction.mp4	Preview
	CMA - Operating Statement
	190889CMAOperatingStatement.mp4
	Capturing Past Data from Audited Financial Statements
	1-Capturing-Past-Data-from-Audited-Financial-Statements.mp4
	Analysing Previous Years Income Statement
	2-Analysing-Previous-Years-Income-Statement.mp4
	Analysing Previous Year Liability Statement
	3-Analysing-Previous-Year-Liability-Statement.mp4
	Analysing Previous Years Asset Statement
	4-Analysing-Previous-Years-Asset-Statement.mp4
Chapter 25 - COMPUTERISED ACCOUNTING SYSTEM
	Introduction
	1-Intro.mp4
	Classification of comp
	2-Classification-of-comp.mp4
	Features
	3-Features.mp4
	Terms used
	4-Terms-used.mp4
	Differences
	5-Differences.mp4
	Adv and Disadv
	6-Adv-and-Disadv.mp4
	Functions of CAS
	7-Functions-of-CAS.mp4
	Comp scope in banking
	8-Comp-scope-in-banking.mp4
	Why compl automation
	9-Why-compl-automation.mp4
	Centralised Infra
	10-Centralised-Infra.mp4
	Core bank and benefits
	11-Core-bank-and-benefits.mp4
	Tech architecture CBS
	12-Tech-architecture-CBS.mp4
	Flow of transaction
	13-Flow-of-transaction.mp4
	Information Security
	14-Information-Security.mp4
	SOP PC LAPTOP
	15-SOP-PC-LAPTOP.mp4
	Pwd Mgmt Policy
	16-Pwd-Mgmt-Policy.mp4
Chapter 26 - BANKING OPERATIONS
	Introduction
	1-Intro.mp4
	Functions of bank
	2-Functions-of-bank.mp4
	Main functions of bank
	3-Main-functions-of-bank.mp4
	Front office and Back office
	5-Front-off-bacl-off.mp4
	Outsourcing activities
	6-Outsourcing-activities.mp4
	Operational Instructions in Banks
	7-Oper-Inst-in-Banks.mp4
	Banking Operations Manual
	8-Banking-Oper-Manual.mp4
Chapter 27 - OPERATIONAL ASPECTS KYC
	Operational aspects of KYC Norms
	1-Oper-aspects-KYC.mp4
	KYC Norms - Customer Acceptance Policy
	2-KYC-CAP.mp4
	KYC Norms - Customer Identification Procedure
	3-KYC-CIP.mp4
	KYC Monitoring Transaction
	4-KYC-MOT.mp4
	KYC Risk Management
	5-KYC-RM.mp4
	Selecting Additional information KYC
	6-SAI-KYC.mp4
	Norms for Periodic Updation of KYC
	7-UPDATE-KYC.mp4
	KYC Relaxatio
	8-KYC-Relaxatio.mp4
	eKYC
	9-eKYC.mp4
	Customer Service in Banks
	10-CSB.mp4
	ATM Transactions
	11-ATM-Transactions.mp4
	Recent Changes in customer Service - RBI
	12-Changes-RBI-CS.mp4
	BCSBI
	13-BCSBI.mp4
Chapter 28 - LOAN ACCOUNTS
	Introduction
	1-Intro.mp4
	Technical Term
	2-tech-term1.mp4
	Technical Term 2
	3-TT3.mp4
	Priority Sector 3
	4-Priority-Sector.mp4
	Technical Term 4
	5-TT4.mp4
	Basic Rate
	6-BR.mp4
	Fixed & Floating Rate
	7-FFR.mp4
	Penal Rate of Interest
	8-pri.mp4
	Security
	9-Security.mp4
	Document of title to Goods & Bankers General Lien
	10-DTG-BGL.mp4
	Negative lien , Restriction Advances, Rehabilitation & Recovery
	11-NLRARR.mp4
	Operational Process of loan in Banks
	12-OPLB.mp4
	Methods for Assessment of loans
	13-MFAL.mp4
	Accounting aspects of loan Products
	14-AALP.mp4
	Basic Operating Instructions on Loan Products
	15-BOILP.mp4
	Operating Manual for C & A
	16-OMLA.mp4
	Simple Operating Procedure
	17-SOP.mp4
	Documentation & Margin
	18-DM.mp4
	VALUATION
	19-VALUATION.mp4
	Marketability
	20-Marketability.mp4
	Insurance
	21-Insurance.mp4
	Godown Pledged Accounts
	22-Godown.mp4
	Pledging of stocks
	23-Pledging-of-stocks.mp4
	Unpledged Goods Stored in Pledged Goods Godown
	24-UPGIPG.mp4
	Delivery of Stock Pledged
	25-DOSP.mp4
	Submission of Stock Statements
	26-SOSS.mp4
	Goods Hypothecated lying with Unhypothecated Goods
	27-GHKIGWUHG.mp4
	Inspection of Stock
	28-IOS.mp4
	SIP
	29-SIP.mp4
	Inspating official comment in SIR
	30-IOCSIR.mp4
	SA
	31-SA.mp4
	Inspection Charge
	32-IC.mp4
Chapter 29 - Import Finance
	What is Buyers Credit
	1245 cfa1245.mp4
	Discontinuation of Letter of Undertaking / Letter of Comfort for Trade Finance
	cfa1541a.mp4
Chapter 30 - Other Banking Products
	What is Stand By Letter of Credit?
	1250 cfa1250.mp4
	What is Mudra Loan?
	MUDRA 4:00

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