This structured program deals with the credit evaluation process: understanding the behavioral aspect of credit, linking stories with financial performance as reported by the borrower, use of internal and external data to validate behavioral phenomena of SME and mid corporate borrower. Building up of data driven model for estimating the probability of default of the borrower by using behavioral triggers
Benefits:
Duration: 4 Hours
Objective
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:
After completing this module participants will be able to:
Duration: 4 Hr
Objective
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
Quantitative analysis of borrower
Benefits of the course:
After completing this module participants will be able to:
Duration – 4 hours
Objective
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
2. Checking Financial statement position
Benefits of the course:
After completing this module participants will be able to:
Duration: 4hr
Objective
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
Benefits of the course:
After completing this module participants will be able to:
Duration- 4 hours
Objective
In this module participants will learn the reason for term loan, the situations when term loan is appropriate, disbursing the loan and steps to monitor the loan. Upon completion of this module participants will be able to link the term loan with over all fund requirement.
Topics covered
Benefits of the course:
After completing this module participants will be able to: