Certificate Program on Credit Analysis

Regular price Rs.25,960.00

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Basic Info : Course on Credit Analysis
Level : Advanced
Commitment  : 13 months
Language : English
Scheduled Date : To Be Announced Soon

What Will I Learn

At the end of this course you will:

  • Apply credit analysis to assess borrowers in real cases
  • Structure loan products in a competitive way
  • Perform ratio analysis and cash flow analysis
  • Identify and work-out problem loans


  • Stages in credit risk
  • Importance of credit analysis in credit risk
  • Principles of credit analysis
  • Seven Cs of credit analysis
  • Steps in the credit analysis process

  • Various steps involved in loan appraisal
  • Components of a bank's lending policy
  • Loan Documentation
  • Loan Pricing and Profitability Analysis
  • Regulations related to lending

  • Liquidity ratios, turnover ratios, profitability ratios, leverage ratios, and market ratios
  • Comparative analysis
  • Statement of Cash Flows

  • Economy, Industry and Company (EIC) framework
  • Models for non-financial analysis
  • Case studies for analysis

  • Need for asset quality assessment
  • Quantitative and Qualitative Review of asset quality
  • Categories of asset classification
  • Special mention assets
  • Loan classification practices in various countries

  • Need for asset quality assessment
  • Loan classification practices in various countries

  • Non-performing loans (NPLs)
  • Methods of resolving NPLs
  • How to prevent NPLs

  • Types and characteristics of consumer installment lending
  • Various types of Instalment loans
  • Dealer Agreement, Recourse, and Dealer Reserve
  • Common risks faced in consumer installment lending

  • Characteristics of Floor Plan Lending
  • Methods of Floor Plan Lending
  • Risks Associated with Floor Plan Lending

  • Concept of Accounts Receivable and Inventory Based Lending
  • Risks faced in Accounts Receivable and Inventory Based Lending

  • The Concept of Loan participation
  • Need for Loan participation
  • Process of Loan participation
  • Risks faced in Loan participation

  • Concept of Letter of Credit (LC)
  • Types of Letter of Credit
  • Risks faced in Letter of Credit
  • Loan commitments, Unfunded lines of credit and their characteristics
  • Potential credit risk in loan commitments and unfunded lines of credit

    How It works

       Live Classroom Sessions
    Each session is interactive and informative, featuring case studies, quizzes, and projects

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