Preview Credit & Financial Management Basics - A Conceptual & Practical Approach

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Course Outline

Course Outline

MODULE #1st- Principles of Lending

Banking Risks & Lending Principles

Due Diligence in Credit

3 C’s of the Borrower

6 P’s of the Borrower

MASTDAY Principle on Security

Feasibility & Viability Study

Quiz

Module #2nd - Types of Borrowers

Introduction

Individual Borrower

Partnership Firms

Hindu Undivided Family

Company Features

Hybrid Companies

Quiz

MODULE #3rd- Borrowing Powers of a Company

Borrowing Powers of a Company

Quiz

Module #4-Financial Statements

What are Financial Statements

Quiz

Module #5- Balance Sheet Concepts

Balance Sheet Structure & Concepts

Assets- Fixed Assets

Other Assets

Quiz

Module #6 - Income Statement

What is Income Statement

Analysis of Income Statement

Quiz

Module #7- Ratio Analysis

Introduction to Ratios

Liquidity Ratios

Practical Work Out With Liquidity Ratios

Solvency Ratios

Turnover Ratios

Profitability Ratios

Interpretation of Ratios

Quiz

Module #8- Appraisal of Working Capital Loan

What is Working Capital Loan

Working Capital Cycle

CC Limit, Margin & Drawing Power

Turnover Method

MPBF Methods with Case Study

Quiz

Module #9- Appraisal of Term Loan

CHARACTERISTICS OF TERM LOAN

DEPRECIATION

REPAYMENT SCHEDULE

DSCR

SECURITY COVERAGE RATIO

BREAK-EVEN ANALYSIS

BREAK-EVEN CASE STUDY

Quiz

Module #10- Term Loan Case Study

Technical & Financial Parameters

Project Cost & Means of Finance

Working of Various Schedules

Profit & Loss Account, DSCR & Reserves & Surplus

Cash Flow Statement

Balance Sheet

Analysis of the Case Study

Preview - Credit & Financial Management Basics - A Conceptual & Practical Approach