Basics of Credit Management- A Conceptual & Practical Approach
Learn Fundamentals of Finance and Credit Management
Financial Management,Investment Banking,Accounting & Bookkeeping,Business
Lectures -47
Resources -18
Duration -5.5 hours
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Course Description
The course is meant for whom?
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 weaknesses and 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
- What you’ll learn:
- Banking Risks and Lending Principles
- Due Diligence in Credit
- Feasibility and Viability Study
- The legal aspects of Sole Proprietorship, Partnership Firm, and Company
- The Borrowing Powers of a Company
- Financial Statements
- Balance Sheet Structure and its concepts
- Income Statement
- How to Analyse Income Statement
- Ratio Analysis and how to Analyse a Financial Statement
- Computation of Working Capital Loan by Applying Turnover Method and MPBF Methods by a banker
- Term Loan Characteristics
- DSCR Concept in whole and applying a bank’s benchmark ratio for decision making
- Break-Even Analysis
- How to prepare a Depreciation Schedule
- How to calculate Repayment Schedule
- How to calculate Insurance Premium.
- How to process a Term Loan through case studies
- How to take credit decisions by applying a bank’s benchmark ratios
What are the Pre-Requisites for this 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.
How will you benefit from this course?
Please attempt the following questions:
Question 1. Do you find difficulty in understanding banking credit and finance matters?
Question 2. Are you comfortable with Balance Sheet Analysis, Profitability Analysis, Ratio Analysis, DSCR, Working Capital Assessment, Term Loan Appraisal, etc.?
Question 3. Are you a student of commerce or finance preparing for your exams?
Question 4. Are you a Branch Head or a Credit Officer working in a bank or a finance company, engaged in creating a quality loan portfolio?
If your answer to the above questions is ‘Yes, then this course is meant for you.
How will you benefit from this course?
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 analyse 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 is this course 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
How is the course designed?
The Course is divided into 10 sections with several lectures in each of them.
The 1st Section deals with Principles of Lending, containing 6 lectures. Here you will learn the Banking Risks and Lending Principles, Due Diligence in Credit, 3 Cs and 6 Ps of the Borrower, MASTDAY Principle on Security and Feasibility and Viability Study
The 2nd Section 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 section deals exclusively with Borrowing Powers of Companies.
The 4th section deals with different Financial Statements.
The 5th section deals with Balance Sheet Concepts containing 3 lectures. You will learn with examples the Balance Sheet Structure and its interrelationships, the calculation of Reserves and Surplus, the Concept of Depreciation and its calculation, the concept of Gross Block and Net Block, concepts of Intangible Assets, Investments, and Current Assets.
The 6th section deals with Income statements in detail and its analysis with examples and case studies in 2 lectures.
The 7th section 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 section deals with Assessment of Working Capital Loan containing 5 lectures. Here you will learn the concepts of Working Capital, Working Capital Cycle, the interrelation of Margin and Drawing Power with CC Limit, Turnover Method of computation, and MPBF Methods of Assessment with case studies.
The 9th section 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 section, 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 and Surplus, Cash Flow Statement, and Balance Sheet.
What are the takeaways of this course?
By the end of this course, you will have learned the fundamentals of credit, legal aspects, and finance-related aspects.
Get started today and learn more about credit management & financial management
Goals
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.
Prerequisites
- 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.
Curriculum
Check out the detailed breakdown of what’s inside the course
About This Course
1 Lectures
- Importance of this course 03:34 03:34
Course Preview
1 Lectures
Principles of Lending
6 Lectures
Types of Borrowers
6 Lectures
Borrowing Power Of A Company
1 Lectures
Financial Statements
1 Lectures
Balance Sheet Concept
3 Lectures
Profitability Statement Concept
2 Lectures
Ratio Analysis
7 Lectures
Assessment of Working Capital Loan
5 Lectures
Appraisal of Term Loan
7 Lectures
Term Loan Case Study
7 Lectures
Instructor Details
Zenith Academics
About me
Hi,
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 to 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 created multiple courses on Psychotherapies and Finance & Banking.
In the past, this platform has launched four courses on psychotherapies, prepared by Najwa Bashir, a counseling psychologist, which has been very well received by the global student community.
I am Sudam Ghosh (B. Com; M.B.A.; LLB; C.S.(Inter); C.A.I.I.B.), founder of Zenith Academics and instructor for finance & banking courses. 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 of experience of teaching credit and financial management subjects.
It has been my passion for teaching that has brought me to this global platform. My experience enables me to focus on the weakness of the students and handhold them towards success. In this course, you will experience a simple style of teaching, which makes the students grasp the basic concepts, step by step before delving into complex areas of learning.
So hook on to the courses and experience the journey.
Looking forward to connecting with you.
Happy learning.
Sudam Ghosh,
CEO, Zenith Academics
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