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Summary
Objective
Get an overview of credit risk and understand the basic credit concepts including jargons
Understand various appraisals like borrower appraisal, technical appraisal, economic appraisal, etc.
Learn in detail about the working capital cycle and the determinants of working capital finance
Learn various types of working capital assessment methods and to apply the same to different borrowers
Understand the basic concepts of Financial Statements like P&L, B/S, Cash and Funds Flow
Understand the credit appraisal process for working capital finance
Build knowledge of the cash credit system and supply chain financing
Understand the CMA format as per RBI guidelines
Understand the importance of Monitoring Borrower Accounts and adopt necessary follow up mechanism
Target Audience
Credit Officers / Risk Officers / Relationship Managers / Managers at Banks and NBFCs
Finance and Accounts Officials from Large Corporates
Course Structure
Duration: 3 Days
Day 1
Session 1
Credit Appraisal – Non Financial Aspects
Session 2
Analysing Working Capital requirements
Session 3
CMA Format – Financial Statements and Assessment of Working Capital – CMA Forms I to III
Session 4
CMA Format – Working Capital Assessment - Funded
Day 2
Session 1
Understanding components of Working Capital & Assessment methods – MPBF calculation, differences, applicability, etc.
Session 2
Assessment of Working Capital – Non Funded Limits i.e. in the form of LCs and Guarantees
Session 3 & 4
Case Study on Working Capital Assessment both Funded and Non-Funded
Day 3
Session 1
Exercise on Working Capital Assessment – Fund Based and Non-Fund based
Session 2
Cash Flow Analysis and Working Capital Management
Session 3
Monitoring of Working Capital Limits
Session 4
Q&A- Answering specific queries of participants
Trainer Profile
Over 26 years of rich banking experience across functions and business verticals with State Bank of India, ABN Amro Bank NV and IDBI Bank Ltd. Sound understanding of Branch Management, Credit and Operations, and other business functions at Branches and Corporate office levels. Re-engineered systems and business processes for extensive use of technology in the changing Banking scenario to improve productivity, control and customer satisfaction. His specialties are around training on Revenue maximization, Retail Banking, Branch Banking, Corporate Banking, Credit Risk Management, Credit Marketing, Negotiation skills for bankers.
