Advance SME Credit workshop

 

Summary

 

Program Objectives

 

 
  • Understanding Operating Environment, Promoters’ interests and Commitment to Business
  • CMA / Spreadsheet learning process which is designed to help you effectively analyse the financials of SMEs.
  • An appropriate Working Capital and Term Lending appraisal methodologies.
  • Key pointers to the identification of Early Warning Symptoms
  • An easy way of interpreting the data from the Audited / Unaudited Reports of SMEs 

 

Target audience 

 

  • SME Credit Risk Appraisal Officers / Credit Managers from Banks, NBFCs and Investor Community
  • SME Term Loan / Project Managers
  • SME Relationship Managers (RMs / officers) from SME segments
  • Credit Auditors of Banks / NBFCs Specialized SME Credit Branch Managers of Banks / NBFCs
  • SME Centralised Operations / SME Factories of Banks
  • SME-Entrepreneurs 

 

Course Strcuture

 

Session 1

Introduction of credit appraisal process


Session 2 

Overview of Credit Process Application form including RBI’S CMAAssessment of borrower’s ability to pay

 

Session 3 

Non-Financial Analysis- (CRISIL Framework on Rating Included)Understanding industry demand & growth potential, key risks, cost & operating metrics, and its impact on the value chain (distributor & supplier) and revenue model is essential.

 

Session 4

Business Model Understanding & Management Capability

 

Session 5

Non-Financial Analysis & Discussions

 

Session 6

Understanding KYC

 

Session 7

CMA format P&L and B/S particulars Financial analysis as per CMA  

 

Session 8

Case Study- Financial Analysis

 

Session 9

Assessment of Working CapitalApplication of the appropriate working capital product to suit each requirement based on assessments

 

Session 10

Cash Flow Statement Explanation and Analysis

 

Session 13

Early Warning Systems & Process


Trainer Profile

 

Trainer is a seasoned banker with rich and versatile experience with a leading public sector bank. Trainer has handled different banking functions like General banking, Operations, SME, MSME & Corporate Credit & has been Country Head of Retail Liabilities & Preferred Banking.

 

Training dates - August 04-06, 2021

Training fees - ₹ 32,000 + applicable taxes