Credit Assessment

Credit Risk Evaluation Framework

In this module, we will look at credit ratings, the credit rating scales, Crisil’s rating framework and its framework for industry risk evaluation, and the typical reasons for changes in ratings






Analytical adjustments

In this module, we will learn how adjustments are handled for core and non-core business activities, depreciation, revaluation reserve, goodwill and other intangible assets, and off balance sheet items




Fund Based Financing

In this module, we will look at what fund based working capital products are, their types and sub-types, and important factors banks need to consider when offering these products.









Lending to MSMEs (Part I)

In this module, we will learn more about the MSME sector in India and the credit ratings used specifically for MSMEs. We will also look at the process for due diligence, data sources for due diligence and analysing borrower documents.

Large and Medium Corporate Lending

In this module, we will look at large and medium enterprises, ways of analysing their business risk, financial risk and management risk, and the banking relationships when lending to them.



Risk Based Pricing

In this module, let’s familiarise ourselves with risk-based pricing for loans, which involves cost of funds, operating costs, base rates and calculation of credit risk premium. Further we will discuss linked concepts, such as measuring profitability of loans.




Early Warning Signals

In this module, we will look at the need for Early Warning Signals, the measures that the Reserve Bank of India has put in place to identify EWS, the process of implementing a system to identify EWS.











Structured Finance

In this module, we will take a look at the various credit enhancements available in the market, how illiquid assets can be securitised to benefit businesses. We’ll also learn about commercial mortgage backed securities and hybrid debt instruments.








Consortium Lending and Debt Restructuring

In this module, we will learn about RBI’s erstwhile debt restructuring schemes, that is, Corporate Debt Restructuring and Joint Lenders Forum. We will explore the reasons leading to the new guidelines for stressed assets management.

Analysing Financial Statements and Ratios

In this module, we will look at profit and loss ratios, balance sheet ratios and off–balance sheet items.












Land and Property Regulations

In this module, well look at the current system of land and property ownership in India, as well as the main aspects that lenders should consider when accepting land or property as collateral.

Credit Assessment in Retail

In this module you will learn about the fundamentals of retail credit assessment and various types of retail loans such as mortgage loans, vehicle loans, equipment loans, other secured and unsecured loan products.













Cash Flow Statement and Financial Statement Fraud

In this module, let’s familiarise ourselves with the cash flow statement and cash flow calculation, and look at a company’s actual financial data. We will also discuss how companies may manipulate cash flow and other financial statements.

Working Capital Financing

In this module, we will learn about the concept of working capital and its significance, how banks assess the working capital requirements and the range of facilities they offer to fund the requirement

Non-Fund Based Financing

In this module, we will look at non-fund based facilities, specifically letters of credit, limit assessment, and the various types, as well as bank guarantees with a focus on performance guarantees, and the method used to assess bank guarantees.

MSME lending (Part II)

In this module, we will discuss how banks assess business risk, management risk and financial risk of MSME borrowers that approach the bank. We will also understand how the portfolio approach works and how banks create security for the exposure.


Supply Chain Finance

In this module, we will look at what Supply Chain Financing is, its products, the process of building up a Supply Chain Finance program, the risks faced by Banks and their amelioration, and situation of Supply Chain Financing in India.

Foreign Exchange Risk and Hedging

In this module, we’ll first understand the basics of foreign exchange and the risks involved and then see how these foreign exchange risks are evaluated. After that, we’ll see the various products available for protecting against these risks.

Infrastructure Financing

In this module, we will look at the present scenario of the infrastructure sector. We will highlight the country’s road sector to reflect the challenges faced in other infrastructure projects in securing investments and delve deeper into Hybrid Annuity Model.

Refinancing Options for Corporates

Welcome to this course on Refinancing Options for Corporates. We’ll learn about the reasons corporates seek refinancing and lenders seek to transfer loans. We’ll cover the different refinance structures available to borrowers, their features, and benefits to borrowers and lenders.

Managing Stressed Assets

In this module let’s familiarise ourselves with additional options for managing stressed assets, such as SDR, outside SDR, S4A, and 5/25. Let’s also understand RBI’s new framework for resolution of stressed assets. Additionally, let’s look at debt recovery options.

Vehicle loans

In this module, we will learn about the credit assessment methodologies used to evaluate loans for high-end premium segment bikes, four-wheelers used as commercial vehicles, dealer funding and service centres. We will also look at building a borrower scorecard.

Mortage Loans

In this module, we will look at different types of mortgage loanshome loans, loan against property and project finance for real estate.








Applied Macroeconomics for lenders

In this module, let’s take a closer look at key factors that form the framework for macroeconomic analysis. You will learn about the structure of a market economy and concepts like Gross Domestic Product, inflation and Government deficit and debt and how the economy and India’s currency is affected by external trade and various policies.