Learning Outcome

This programme is designed to equip participants to prepare sharp, cohesive and effective Credit Appraisal Memorandums (CAMs) covering all critical aspects of both non-financial and financial analysis of a borrower to facilitate quick decision making

Who should attend? 

• Commercial RMs, MSME RMs, Large corporate RMs
• Credit analysts, Risk managers, Branch heads of commercial, MSME and large corporates
• Regional/centralized credit processing factories of commercial, MSME and large corporates
• Branch heads/Zonal Heads/Regional Heads/Business Heads of 3 verticals of all banks and NBFCs
• Investment banking /Private placement professionals
• Merchant banking officials in the prep of IPO notes

Session 1

Overview of Credit Appraisal Process & Non-Financial Analysis

• Pre-Sanction issues (Bankability of proposals subject to Credit policy etc.)
• Non-Financial Analysis concerning the Borrower Unit’s Business & Financial Performance, viz., the Economy, the Industry, Business and the Management factors responsible for growth and development of the borrower unit over a period. 

Introduction to CAM Writing Skills 

• What is the scope of a credit note? 
• Who is the reader of your note? 
• Some examples of poor note constructs for avoiding mistakes 

Using a Model CAM Format for Discussions

Session 2

Case Study 1 - discussion highlighting the Non-Financial Analysis

Understanding Management & Business 

Business Model Understanding & Management Capability for effective execution on bank’s format 

This will focus on the presentation skills of the group under the Non Financial Part of CAM writing Process and trainer will hand-hold the participants and provide relevant inputs, wherever deemed necessary.

Session 3

Financial Analysis Segment

The following aspects under Financial Analysis Report will be refreshed / covered for presentation on CAM Format.

• Nature and purpose of the Loan
• Type of loan
• Growth in terms of Sales and Profits 

Session 4

• The participants will conduct financial health assessment of a unit considering the Past, Present and Projected Financials as also a rough computation of Stress Predictive Ratios based on the Financial Statements Actual and Projected and pre-sent them on the Bank’s CAM Format 
  

Training dates - 18-July, 2025

Training fees - ₹30,000 + applicable taxes