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.
