Evaluate the performance of a company based on qualitative and quantitative frameworks and tools
Causes of credit deterioration in a portfolio and the factors that will adversely impact the likelihood of a default or the asset turning stressed in the short to medium term
Cash flow approach to ascertain a company’s ability to expand operations and yet service/refinance its debt
Appraisal methodology to analyse the Stand-alone Financials vis a vis. Consolidated
Target Audience:
Credit Officers/ Risk Officers in Banks, NBFCs, Investment Banks and Fintechs
Relationship Managers in Banks/NBFCs managing Large Corporate/ SMEs
Relationship Managers in Investment Banks, Private Equity players, Fintechs
Corporate Finance Professionals in ARCs
Heads of Finance and Promoters of SMEs
Branch Heads of Large SME / Corporate Branches of the Banks and Financial Institutions
Course Content:
Day 1:
Session 1
Primer On Credit Risk Analysis
• What is Credit Risk Analysis?
• Challenges in Risk Assessment and how to overcome or address them
Session 2
• Non- Financial Analysis
• Case Study Based Approach- Reading audited reports of listed / unlisted companies (SMEs and large corporates) viz., a Conglomerate like Reliance Industries, Adani Enterprises, Aditya Birla, Tata Sons, ITC limited etc.
• Advanced Management Risk Analysis
Session 3
• Non-Financial Analysis continued
• Advanced Business Risk Tools and Techniques
Session 4
Group Case Study Presentation and Discussions thereon
Day 2
Session 5 & 6
• Financial Analysis
• Case Study Based Approach- Financials of a Conglomerate like Reliance Industries, Adani Enterprises, Aditya Birla, Tata Sons, ITC limited etc.
Session 7
Assessing future financial position
• Identifying factors which could impact the company’s future: macro variables, market access, industry drivers and company sensitivities
Session 8
• Discussion of the above concepts with respect to the selected cases
• Case Study Based Approach- Financials of a Conglomerate like Reliance Industries, Adani Enterprises, Aditya Birla, Tata Sons, ITC limited etc.
Day 3:
Session 9
Financial Analysis Continued- Cash Flow Computation and Analysis
Session 10
Case Studies on P&L, B/S of a large, Conglomerates will be administered for detailed discussions.
Session 11
• Consolidated Financials versus Standalone Credit Enhancements
Session 12
• Creative accounting by corporates and its impact on the financials, and financial analysis of balance sheet post incorpo-rating changes to the reported figures. This will be via case studies of Indian and international corporates.
• Presentation & Discussions on the Group Case Study on Complex Financials circulated to participants a day before the commencement of the program
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.
