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Basic Credit

Module Duration - 4 hours

BUY

Overview/Objectives

In this module students will learn what is credit all about, and about the different lending products (term loan, cash credit, working capital etc.) borrowers can access. Participants will also learn step-by-step process on creating balance sheet and profit loss account explained through live demonstration of real life entries.

Topics covered

Course Benefits

  1. What is credit in Banking
  2. Lending products available for borrower
  3. Understanding Balance sheet entries
  4. Understanding Profit & Loss entries

After completing this module participants will be able to:

  1. Understand credit and different lending products available for borrowers
  2. Create Balance sheet
  3. Create Profit & Loss statement

Analytical framework for selection of borrowers

Module Duration - 4 hours

BUY

Objectives

Borrower selection is a very important first step in lending process. In this module participants will learn various methods to select right borrowers by doing qualitative and quantitative analysis of borrower.

Topics covered

1. Qualitative analysis of borrower

  • Judgment of Intention
  •  Borrower Intention (Business credentials, Reputation, Business Importance, Collateral security and Business need)
  • Business model evaluation
  • Assessing borrower’s business model (Economic outlook, Industry factors, Business processes)

Benefits of the course

After completing this module participants will be able to:

  1. Evaluate borrowers ability to repay the loan
  2. Evaluate business model of borrower
  3. Detect fake sales with unique and simple tricks
  4. Detect intention of borrowers

2. Quantitative analysis of borrower

  • Document verification checklist & verification of documents
  • Loan application form
  • Audited financials along with auditors and directors report
  • Tax audit report
  • Bank statement
  • VAT return/Service tax return
  • List of debtors and creditors
  • Proposed Business plan
  • Security related documents
  • Personal net worth statement of the borrower

Analysis of Financial Statement

Module Duration - 4 hours

BUY

Objectives

Real life financial statements are often challenged by complex entries. This necessitates in depth analysis of financial statement. In this module students will gain analytical insight needed to analyze financial statements and detect early warning signal for default of borrower.

Topics covered

1. Financial statement verification

  • Analysis of numbers in financial statement
  • Checking the sales figure
  • Credit summation of Bank
  • Debtor Creditor list
  • Detecting Inflated/Deflated sales

Benefits of the course

After completing this module participants will be able to:

1. Improve analytical capabilities of financial statement analysis

2. Evaluate company’s ratio and cash flow

3. Detect red flags form financial statement verification, ratio analysis and cash flow analysis

2. Checking Financial statement position

• Ratio Analysis and its implications

• Cash Flow Analysis and its implications

• Understanding company perfomance and capability to repay the loan

Fund Based Working Capital

Module Duration - 4 hours

BUY

Overview/Objectives

In this module participants will learn about working capital cycle, the determinants of working capital finance, types of working capital assessment methods and application of  the same to different borrowers.

Topics covered

Course Benefits

  1. Working capital - Definition
  2. Working capital – Characteristics
  3. Working capital Terminology
  4. Working capital Requirement
  5. Working capital method of assessment
  6. Fund based WC Need assessment
  7. Fund based WC Need assessment – Alternative method
  8. MPBF operating cycle method
  9. MPBF operating cycle method – CMA format
  10. MPBF – CMA method
  11. MPBF: Preparing estimates & projections using CMA format
  12. CMA Form IV – Analysis of CA & OCL
  13. MPBF Assessment Form V & Form VI
  14. Cash Budget method of assessment
  15. Turnover Method

After completing this module participants will be able to:

  1. Understand the need of working capital loans
  2. Recognize borrowers funding need and ask meaningfull questions about the business
  3. Pitch right product to borrower, rather than blindly selling the product
  4. Understand in detail the fund based working capital assessment process

Format the copy

Non Fund Based Working Capital

Module Duration - 4 hours

BUY

Objectives

In this module participants will learn about different non-fund based working capital products, their assessment, application and assessment in the overall working capital finance.

Topics covered

  1. Discussion on Non Fund Based Products and their utilities for borrower
  2. Discussion on Letter of Credit:
  • Process description
  • Assessment of LC limits
  • Types of LC
  • Issues related to LC facilities

3. Bank Guarantee

  • Concept
  • Types of Bank Guarantee and associated risk
  • Operational process of BG
  • Assessment of Bank Guarantee
  • Banker’s Payment Obligation

Benefits of the course

After completing this module participants will be able to:

  1. Understand difference between fund based and non fund based working capital loan
  2. Understanding different processess associated with different non fund based product.
  3. Determination of actual limit to be sanctioned for non fund based product
  4. Pitch right non fund based product to borrower, rather than blindly selling the product

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