Credit Appraisal Memorandum Writing Skills

Credit Appraisal Memorandums are written after undertaking a detailed assessment of the loan or funding instrument. It is the fundamental and primary means of communication within the banking industry.

This structured course imparts knowledge and skills related to importance of the technique writing Credit Appraisal Memorandums (CAM), highilighting common deficiency of CAM, linking CAM with credit risk management.

Benefits:

• Participants would be able to build up skillset required a robust assessment memorandum
• Lead to better understanding of the credit analysis without any ambiguity

Term Loan Appraisal

The key role of Term Loan Appraisal is to discover the repayment capacity of the borrower. It is therefore a key document involved in the lending process.

The structured course on Term Loan Appraisal deals with understanding project cost determination, means of finance determination, physical projection, financial projections, sensitivity analysis, and term loan monitoring

Benefits:

• It will build up comprehensive knowledge on term loan assessment process.
• Participant would be able to assess and suggest proper term & covenants associated with term loan products

Effective PD

Understanding and evaluating the probablity of default is one of the key skillsets that will enable bankers to avoid expensive write offs. Today PD is one of the key elements of any credit analyses and risk management frameworks.This structured course deals with Imp of PD in credit customer selection process, techniques of pre interview preparations, ideas on how to start interview process, how to ask proper questions, how to handle negative reactions, role plays on PD.

Benefits:

• Build up a process driven appoach for conducting PD and use of PD information in credit evaluation process
• Enhanced Credit risk evaluation skillsets of your team

Infrastructure Financing

Infrastructure financing is one of the key economic drivers in India today, and it is likely to remain one for the foreseeable future. This structured course deals with definition of infrastructure financing, diff between infra financing and normal financing, risk associated with infra financing, different financing models prevalent in infra financing, case studies on road projects and power projects.

Benefits:

• Ability to understand the reason for bad loan in infra financing
• Team imbibes skillsets required for deciding appropriate method in infra financing
• Comparative international case studies could help participant to benchmark for innovative methods of financing of Indian infrastructure

Treasury Program on Derivatives

In today’s financial markets derivatives play a significant role. Knowledge about these financial instruments is key for any financial professional.

This structured program on Derivatives inculcates an understandingof derivatives, imparts knowledge about characteristics of plain vanilla derivatives like futures options, pricing of derivatives, Black Scholes model, binomial model, use of derivatives for hedging and speculative activities.

Benefits:

• Team ability to understand the different features and uses of derivatives.
• Ability to identify issues related to pricing and application of the knowledge for selling proper derivative products with customers

Derivative Accounting

The ways and means of Derivative accounting is different from other standard financial instruments. This structured course introduces participants to the accounting principle of derivative, difference between normal financial instrument accounting and derivative accounting, accounting of futures and options, IND AS and derivative accounting and their relationship

Benefits:

• Ability to build up skillset required for derivative accounting and
• Use the knowledge for bank accounting purposes