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Summary
Programme Objectives
To enable RMs/ LOs/ CMs develop a framework of analysis given a set of financial and non-financial information on their target borrowers
To enable the RMs/ LOs/ CMs conduct a basic level risk appraisal of their borrowers in order to ensure safety and security of lender’s exposure to them
To facilitate the RMs get a basic understanding of how to target for new clients/ opportunities based on a quick assessment of brief financials
To enable develop understanding on financial products and services both funded (working capital, term loan) and non-l facilities (LC, bank guarantees etc.)
Target audience
Relationship Managers (RMs) and Lending Officers/ Credit Managers (LOs/ CMs) who have recently joined in the Bank/ NBFC or who have been transferred to credit department recently.
Course Structure
Duration – 4 days
Day 1
Session 1
Industry Overview & Credit Risk Analysis in a nutshell
Session 2
Credit Risk Analysis Framework for SMEs/ Corporates
Session 3
Basic Financial Risk Analysis- P&L and Balance Sheet
Session 4
Case-work on classification of Assets and Liabilities and computation of Working Capital.
Day 2
Session 1
Issues in Analysing Existing Financial Position
Session 2
Fundamental Financial Risk Assessment of SMEs/ corporates
Session 3
Projected Financial Position
Session 4
Discussion on CMA
Day 3
Session 1
Ratio Analysis
Session 2 & 3
Assessment of Funded Facilities like Working capital, Term Loan
Session 4
Case Study on Assessment of Funded Facilities and Ratio Analysis
Day 4
Session 1
Non-Financial Analysis
Session 2
Management Risk Analysis
Session 3
Assessment of Non-Funded Lines like L/C, Standby L/Cs and Guarantees. Application of the above analysis to corroborate extant and or further borrowings by the firm.
Session 4
Case Study on Non-Financial and Non-Funded Analysis
Trainer Profile
He has over 26 years of rich banking experience across functions and business verticals with State Bank of India, ABN Amro Bank NV and IDBI Bank Ltd. Sound understanding of Branch Management, Credit and Operations, and other business functions at Branches and Corporate office levels. Re-engineered systems and business processes for extensive use of technology in the changing Banking scenario to improve productivity, control and customer satisfaction. His specialties are around training on Revenue maximization, Retail Banking, Branch Banking, Corporate Banking, Credit Risk Management, Credit Marketing, Negotiation skills for bankers
