How to carry out Term Loan Appraisal & Assessment as Banker
Instructor: CA N Raja
Validity Period: 10000 days
Welcome to this course How to carry out Term Loan Appraisal as a Banker
In this course i am going to share my practical experience from Banking in carrying out Term Loan Appraisal and Term Loan Assessment. This skill is very much essential for any bankers working on credit, sourcing clients, etc.
In the first section, i will take you through, how you should look at Term Loan Proposals as a Banker - Term Loans are generally loans given for longer period mainly for meeting long term requirements of Business entities like Starting a new business, Expansion, Modernisation, Backward Integration, Forward Integration, etc.
However, appraisal of Term Loan involves lots of technical analysis and also has high level of risk because loan disbursement will happen immediately whereas repayments will happen over a period of long time. Hence, it is absolutely necessary to have thorough knowledge of all technical matters revolving around Long Term Projects and its corresponding Term Loan.
In the second section, i will take you through what is Techno Economic Viability (TEV Study) comprising
Managerial & Compliance aspects of Project.
Then in the third section, ill take you through how to arrive at Cost of Project and Means of Finance. In that ill explain you what all components will go into the cost of the project and what are the different sources that can be used for funding the project including Term Loan.
Finally in the 4th Section, ill take you through Production factors followed by technical analysis covering
Break Even Analysis
I am sure that these three sections will be sufficient for you to gain practical knowledge about Financial Analysis as a Banker.
This course is structured in self paced learning style. Use your headsets for effective listening.
See you inside the course.
|Chapter 1 - Introduction|
|Introduction to Term Loan Appraisal|
|Chapter 2 - Technical Economic Viability of Project|
|What is TEV Study?|
|Technical Viability of Project|
|Financial Viability of Project|
|Economic Viability of Project|
|Commercial Viability of Project|
|Managerial aspects of Project|
|Compliance aspects of Project|
|Chapter 3 - Cost of Project and Means of Finance of Project|
|Cost of Project and Means of Finance under Term Loan Appraisal|
|Land Cost and related inputs under cost of Project - Term Loan Appraisal|
|Building Cost and related inputs under cost of Project -Term Loan Appraisal|
|Plant and Machinery Cost and related inputs under cost of Project -Term Loan App|
|Technical Know how and related inputs under cost of Project -Term Loan Appraisal|
|Preliminary Expenses and related inputs under cost of Project -Term Loan Apprais|
|Pre-operative Expenses and related inputs under cost of Project -Term Loan Appra|
|Provision for Contingencies and related inputs under cost of Project -Term Loan|
|Working Capital Margin and related inputs under cost of Project -Term Loan Appra|
|General aspects related to estimation of Cost of Project - Term Loan Appraisal|
|Introduction of Sources of Finance - Term Loan Appraisal|
|Share Capital as source of Finance - Term Loan Appraisal|
|Internal Accruals as source of Finance - Term Loan Appraisal|
|Subsidies as source of Finance - Term Loan Appraisal|
|Debenture as source of Finance - Term Loan Appraisal|
|Term Loan as source of Finance - Term Loan Appraisal|
|Unsecured Loans as source of Finance - Term Loan Appraisal|
|Project Implementation Schedule|
|Chapter 4 - Production Factors of a Project|
|Production Factors - Term Loan Appraisal|
|Manufacturing Process - Term Loan Appraisal|
|Other Production Factors - Term Loan Appraisal|
|Chapter 5 - Technical Analysis in Term Loan Appraisal|
|Analysis of DSCR (Gross Average & Net Average)|
|Analysis of DSCR 2 (Gross Average & Net Average)|
|Break Even Analysis in Term Loan Appraisal|
|Break Even Analysis Case 1 in Term Loan Appraisal|
|Break Even Analysis Case 2 in Term Loan Appraisal|
|Sensitivity Analysis in Term Loan Appraisal|
|Sensitivity Analysis Sales Drop Testing Case 1 in Term Loan Appraisal|
|Sensitivity Analysis Variable Cost Increase Testing Case 2 in Term Loan Appraisa|
|Sensitivity Analysis Material Cost Increase Testing Case 3 in Term Loan Appraisa|
|Sensitivity Analysis DSCR Testing Case 4 in Term Loan Appraisal|
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