Comprehensive Guide to Credit Management Basics

Basics of Credit Management- A Practical Approach

Learn Fundamentals of Finance and Credit Management for Bankers and Financial Analysts with MCQs

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Last Updated: 2024-12-20 07:12:54 English Course Type: Self Learning

Understanding Banking Risks and Lending Principles.
Understanding Due Diligence in Credit.
Understanding Feasibility & Viability Study.
Understanding the legal aspects of Sole Proprietorship, Partnership Firm & Company.
Understanding the Borrowing Powers of a Company.
Understanding Financial Statements.
Understanding Balance Sheet Structure and its concepts.
Understanding Income Statement.
Learning how to Analyse Income Statement.
Understanding Ratio Analysis and Learning how to Analyse a Financial Statement. Taking decisions by applying bank's benchmark ratios.
Learning Computation of Working Capital Loan by Applying Turnover Method and MPBF Methods by a banker.
Understanding Term Loan Characteristics.
Understanding DSCR Concept in whole and applying bank's benchmark ratio for decision making.
Understanding Break Even Analysis.
Learning how to prepare Depreciation Schedule.
Learning how to calculate Repayment Schedule.
Learning how to calculate Insurance Premium.
Learning how to process a Term Loan through case studies.
Learning how to take credit decisions by applying bank's benchmark ratios.

Do you find difficulty in understanding banking credit and finance matters? Are you comfortable with Balance Sheet Analysis, Profitability Analysis, Ratio Analysis, DSCR, Working Capital Assessment, Term Loan Appraisal, etc.?

If you are a Branch Head or a Credit Officer working in a bank or a finance company, engaged in creating a quality loan portfolio, this course is meant for you. This course will help you to rise in your career. It will help you to understand the fundamentals of credit, legal aspects, and finance-related aspects and also prepare you to work out the financial statements and analyze them, all by yourself. The focus of this course is to clear the concepts and take you to the world of financial statements and their analysis. You will learn to work out financial statements and analysis through ratios hands down in excel format and take credit decisions as per the bank’s benchmark. The Course is a blend of Conceptual and Practical aspects of Credit Management.

How this course is different?

Focus on banking concepts with Practical Inputs

Focus on Legal Concepts.

Focus on Finance Concepts with Case Studies

Step by Step Calculation of Financial Statements in Excel with Analysis.

Step by Step Calculation of Financial Ratios in Excel with Interpretation.

Helps you to decide on a Loan Proposal based on your findings and Bank’s Financial Benchmarks

MCQs at the end to Self-Test your understanding

Course Outline

The Course is divided into 10 Modules with several lectures in each of them.

The 1st Module deals with Principles of Lending, containing 6 lectures. Here you will learn the Banking Risks and Lending Principles, Due Diligence in Credit, 3 C’s and 6 P’s of the Borrower, MASTDAY Principle on Security & Feasibility & Viability Study

The 2nd Module deals with Different types of Borrowers, containing 6 Lectures. Here you will learn the legal aspects related to Individual Business, Sole Proprietorship Firms, Partnership Firms, Public Limited and Private Limited Companies, One Person Company and Limited Liability Companies

The 3rd Module deals exclusively with Borrowing Powers of Companies

The 4th Module deals with different Financial Statements

The 5th Module deals with Balance Sheet Concepts containing 3 lectures. You will learn with examples the Balance Sheet Structure and its interrelationships, the calculation of Reserves & Surplus, Concept of Depreciation and its calculation, the concept of Gross Block & Net Block, concepts of Intangible Assets, Investments and Current Assets.

The 6th Module deals with Income Statement in detail and its analysis with examples and case studies in 2 lectures

The 7th Module deals with Ratio Analysis and its Interpretation in 7 lectures. Here you will learn about the Ratios in general and also Liquidity Ratios, Solvency Ratios, Turnover Ratios, and Profitability Ratios with hands-on working with case studies in excel format. In the end, you will find an interpretation of the Ratios with case studies.

The 8th Module deals with Assessment of Working Capital Loan containing 5 lectures. Here you will learn the concepts of Working Capital, Working Capital Cycle, the inter-relation of Margin & Drawing Power with CC Limit, Turnover Method of computation, and MPBF Methods of Assessment with case studies.

The 9th Module deals with Term Loan Appraisal containing 7 lectures. You will learn the concept of Term Loan, Calculation of Depreciation, working out Repayment Schedule, Insurance Schedule, Concept of DSCR and its calculation, working out Security Coverage Ratio, Concept of Break-Even and its Analysis with Case Studies.

Finally, in the 10th Module, you will find a Term Loan Case Study in 7 lectures with the hands-on working of Project Cost and Means of Finance, various schedules, Profit & Loss Account, DSCR, Reserves & Surplus, Cash Flow Statement, and Balance Sheet.

MCQ’s at the End

You will also find Self- Assessment Tests at the end of each module containing Multiple Choice Questions. I advise you to attempt all the MCQs and Test your Understanding. You can download the Course Completion certificate once you have successfully completed the Tests. In case of any queries, you are free to contact me. I shall be happy to help you in your journey.

How the Course Will Help You?

I am sure the course will help you to comprehend the concepts and also help you to develop your insights. The hands-on working with case studies will help you to master the required skills to process a loan proposal.

Live Support

In case of any difficulty, you can always contact me. I shall be at arm’s length to handhold you in your journey.

Just go through demo videos and decide.

See you inside the course.

No prior knowledge is required for enrolling in the course. Just stay focused while learning and take notes.
An internet connection and a Laptop/PC/Mobile/Tablet.

This course is ideally suited for bankers and finance professionals who want to rise in their career
This course is for those individuals who have discovered their weakness & gaps in knowledge and skills and wish to overcome them.
This course is also suited for students of commerce and finance to develop their insights and skills in banking

Section 1 : Course Outline 1 Lectures 00:06:22
Lecture 1 :
Course Outline Preview
Section 2 : Module 1- Principles of Lending 7 Lectures 00:38:08
Lecture 1 :
Banking Risks & Lending Principles
Lecture 2 :
Due Diligence in Credit
Lecture 3 :
3 C’s of the Borrower
Lecture 4 :
6 P’s of the Borrower
Lecture 5 :
MASTDAY Principle on Security
Lecture 6 :
Feasibility & Viability Study
Lecture 7 :
Self Assessment Test
Self Assessment Test
Section 3 : Module 2- Types of Borrowers 7 Lectures 00:36:55
Lecture 1 :
Introduction
Lecture 2 :
Individual Borrower
Lecture 3 :
Partnership Firms
Lecture 4 :
HUF
Lecture 5 :
Company Features
Lecture 6 :
Hybrid Companies
Lecture 7 :
Self Assessment Test
Self Assessment Test
Section 4 : Module 3-Borrowing Powers of a Company 2 Lectures 00:08:31
Lecture 1 :
Borrowing Power of a Company
Lecture 2 :
Self Assessment Test
Self Assessment Test
Section 5 : Module 4- Understanding Financial Statements 2 Lectures 00:05:38
Lecture 1 :
What are Financial Statements
Lecture 2 :
Self Assessment Test
Self Assessment Test
Section 6 : Module 5 — Understanding Balance Sheet 4 Lectures 00:26:15
Lecture 1 :
Balance Sheet Structure & Concepts
Lecture 2 :
Assets- Fixed Assets
Lecture 3 :
Other Assets
Lecture 4 :
Self Assessment Test
Self Assessment Test
Section 7 : Module 6- Income Statement 3 Lectures 00:16:11
Lecture 1 :
What is Income Statement
Lecture 2 :
Analysis of Income Statement
Lecture 3 :
Self Assessment Test
Self Assessment Test
Section 8 : Module 7- Ratio Analysis & Interpretation 8 Lectures 00:37:39
Lecture 1 :
Introduction to Ratios
Lecture 2 :
Liquidity Ratios
Lecture 3 :
Practical Work Out with Liquidity Ratios
Lecture 4 :
Solvency Ratios
Lecture 5 :
Turnover Ratios
Lecture 6 :
Profitability Ratios
Lecture 7 :
Interpretation of Ratios
Lecture 8 :
Self Assessment Test
Self Assessment Test
Section 9 : Module 8- Appraisal Of Working Capital Loan 6 Lectures 00:42:28
Lecture 1 :
What is Working Capital Loan
Lecture 2 :
Working Capital Cycle
Lecture 3 :
CC Limit, Margin & Drawing Power
Lecture 4 :
Turnover Method
Lecture 5 :
MPBF Methods of Assessment with Case Study
Lecture 6 :
Self Assessment Test
Self Assessment Test
Section 10 : Module 9- Appraisal of Term Loan 8 Lectures 00:54:38
Lecture 1 :
Characteristics of Term Loans
Lecture 2 :
Calculation of Depreciation
Lecture 3 :
Drawing Repayment Schedule
Lecture 4 :
Calculating DSCR
Lecture 5 :
Security Coverage Ratio
Lecture 6 :
Break Even Analysis
Lecture 7 :
Break Even Case Study
Lecture 8 :
Self Assessment Test
Self Assessment Test
Section 11 : Module 10- Term Loan Case Study 7 Lectures 00:44:41
Lecture 1 :
Technical & Financial Parameters
Lecture 2 :
Project Cost & Means of Finance
Lecture 3 :
Working of Various Schedules
Lecture 4 :
Profit & Loss Account, DSCR & Res & Surplus
Lecture 5 :
Cash Flow Statement
Lecture 6 :
Balance Sheet
Lecture 7 :
Analysis of the Case Study

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Zenith Academics,

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I am Sudam Ghosh (B. Com; C.S.; M.B.A.; L.LB; C.A.I.I.B.), CEO of Zenith Academics and an instructor for courses on Banking, Finance, Risk Management & Law. I have worked as a Credit Officer at various levels, including as Branch Head, in Very Extra Large Branch and as Chief Manager Faculty at Apex Training College of a Public Sector Bank, for a long time and also have 20 years’ experience of teaching banking, credit, financial and risk management subjects. My experience enables me to focus on the weakness of the students by fixing their core idea and then delving into complex areas of learning in very simple teaching style. It has been my passion for teaching that has brought me to this global platform. However, Zenith Academics is a platform engaged in preparing engaging online courses in diverse subjects with a student bias. We strive to achieve a multidisciplinary approach in learning and provide engaging online courses in psychology, banking, finance, law, technology, language, etc. to reach a vast multitude of students worldwide. We engage domain experts to create courses as per student needs. We have courses on psychotherapy prepared by Najwa Bashir, a counselling psychologist, which have been very well received by the global student community. So hook on to the course and experience the journey. Looking forward to connecting with you. Happy learning. Sudam Ghosh, CEO, Zenith Academics