Raja Natarajan – Banking Credit Analysis Process (for Bankers) (Download)
Bankers face a critical challenge: making sound lending decisions that balance business growth with risk management. A single poorly analyzed credit proposal can result in massive losses, regulatory penalties, and career setbacks. Yet many banking professionals are thrust into credit roles without comprehensive training in financial statement analysis, working capital assessment, or loan structuring. For bankers aspiring to advance their careers—and consultants serving banking clients—mastering the credit analysis process isn’t optional, it’s essential.
Course Overview
“Banking Credit Analysis Process (for Bankers)” by Raja Natarajan, FCA provides exhaustive training tailored to the Indian banking context. This comprehensive course equips you with the analytical frameworks, documentation skills, and credit evaluation techniques needed to confidently assess loan proposals, write professional credit reports, and make informed lending decisions. Whether you’re transitioning into credit analysis or seeking to strengthen existing skills, this practical curriculum prepares you for real-world banking challenges.
What You’ll Master
Credit Fundamentals and KYC
Understand why credit analysis is crucial for banking operations, customer integrity and performance evaluation methods, Know Your Customer (KYC) policies and legal requirements, and information exchange through credit bureaus like CIBIL and Dun & Bradstreet.
Financial Statement Analysis
Develop expertise in reading income statements and balance sheets, analyzing sources and uses of funds, understanding the critical difference between profit and cash, measuring liquidity position and performance metrics, and conducting comprehensive financial ratio analysis across liquidity, leverage, turnover, and profitability categories.
Writing Bank Loan Proposals
Learn to capture borrower profiles and industry context, formulate credit limit tables and group exposure analysis, document banking arrangements and sharing patterns, and analyze performance indicators including sales movement, cost structures, and cash accruals.
Fund Flow and Cash Flow Analysis
Master techniques for identifying fund diversion, preparing fund flow statements using standard formats, conducting deficit analysis and estimate vs. actuals comparisons, and analyzing cash generation from operating, investing, and financing activities through multiple case studies.
Working Capital Assessment
Understand working capital cycles and requirements, apply Tandon and Nayak Committee recommendations, assess cash credit facilities using ABF and conservative methods, compute drawing power from stock statements, and monitor receivables financing with fraud prevention measures.
Non-Fund Based Facilities
Learn comprehensive evaluation of Letters of Credit (LC) including document requirements, types, and limit assessment, plus Bank Guarantees (BG) covering bid bonds, advance payment guarantees, and retention money guarantees.
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Term Loan Appraisal and Project Financing
Evaluate technical, financial, economic, and commercial viability, analyze project costs including land, building, machinery, and working capital margins, assess sources of finance from equity to subsidies, calculate Debt Service Coverage Ratio (DSCR) and Fixed Obligation to Income Ratio (FOIR), and conduct break-even and sensitivity analysis for project stress-testing.
Credit Rating and Risk Management
Understand internal and external credit rating systems, perform credit risk rating for trading and non-trading entities, analyze market risk, managerial risk, and security value factors, and review audit reports, compliance, and contingent liabilities.
Specialized Topics
Explore export-import financing, supply chain financing (vendor and dealer financing), corporate banking services including factoring and forfaiting, and the Marginal Cost of Funds based Lending Rate (MCLR).
Course Structure
With over 300 lectures featuring board presentations, talking head explanations, real-world case studies, and on-demand content addressing student queries, this course provides comprehensive coverage. Interactive quizzes test knowledge retention throughout.
Who Should Enroll
This course is essential for bankers in credit departments, management and banking consultants, finance managers and CFOs, entrepreneurs seeking bank funding, chartered and cost accountants, and bank Direct Sales Agents (DSAs).
