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

Technical Feasibility

Economic Viability

Financial Viability

Commercial Viability

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

DSCR Analysis

Break Even Analysis

Sensitivity 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.