Credit Analysis
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Duration : 1 hour
- Stages in credit risk
- Importance of credit analysis in credit risk
- Principles of credit analysis
- Seven C's of credit analysis
- Steps in credit analysis process
Duration : 1.5 hours
- Various steps involved in loan appraisal
- Components of a bank's lending policy
- Loan Documentation
- Loan Pricing and Profitability Analysis
- Regulations related to lending
Duration : 1.5 hours
- Various types of ratios including liquidity ratios, turnover ratios, profitability ratios, leverage ratios and market ratios
- Importance of these ratios
- Comparative analysis
- It also has a calculator for calculating various ratios from a Balance Sheet and P & L Account
Duration : 1 hour
- Statement of Cash Flows
- Cash flow from operating, investing and financing activities
- Direct and indirect method of preparing statement of cash flows
- How to interpret cash flows for decision making
Duration : 1 hour
- Economy, Industry and Company (EIC) framework
- Models for non financial analysis
- Case studies for analysis
Duration : 1 hour
- 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
Duration : 1 hour
- 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
Duration : 1.5 hours
- Nonperforming loans (NPLs)
- Methods of resolving NPLs
- How to prevent NPLs
Duration : 1 hour
- Types and characteristics of consumer installment lending
- Various types of Installment loans
- Dealer Agreement, Recourse and Dealer Reserve
- Common risks faced in consumer installment lending
Duration : 1 hour
- Characteristics of Floor Plan Lending
- Methods of Floor Plan Lending
- Risks Associated with Floor Plan Lending
Duration : 1 hour
- Concept of Accounts Receivable and Inventory Based Lending
- Risks faced in Accounts Receivable and Inventory Based Lending
Duration : 1 hour
- The Concept of Loan participation
- Need for Loan participation
- Process of Loan participation
- Risks faced in Loan participation
Duration : 1 hour
- 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