Course on Credit Appraisal and Risk Management

What you'll learn

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Credit Appraisal
Financial Analysis
CIBIL analysis
Credit Appraisal Memo (CAM)
Home loan eligibility calculation
Credit Monitoring Arrangement (CMA) Report
Requirements

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Basic knowledge of accounting, banking, finance and excel
Description

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Credit Appraisal and Risk Management is a practical, application-oriented course designed to develop a strong understanding of how financial institutions evaluate borrowers, assess creditworthiness, identify risks, and make informed lending decisions. The course is particularly useful for MBA and finance students, banking aspirants, credit professionals, relationship managers, entrepreneurs, and professionals seeking to build practical expertise in credit analysis and risk management.
The course provides a comprehensive understanding of the complete credit appraisal process, starting from borrower assessment and financial statement analysis to credit structuring, risk identification, sanctioning, monitoring, and recovery. Participants will learn how to analyse balance sheets, profit and loss statements, cash-flow statements, bank statements, GST information, and other financial and non-financial information used by lenders.
Key areas covered include credit underwriting, working capital assessment, CMA data analysis, MPBF, ratio analysis, cash-flow analysis, DSCR, debt-equity analysis, FOIR, LTV, repayment capacity assessment, collateral evaluation, and credit risk assessment. The course also introduces important banking and lending frameworks and platforms such as CIBIL, CERSAI, CGTMSE, TReDS, and other relevant credit ecosystem mechanisms.
Through practical examples, case studies, financial analysis exercises, and real-world lending scenarios, learners will develop the ability to interpret financial information and arrive at appropriate credit decisions. The course also highlights common warning signals, early indicators of financial stress, documentation Requirements

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, risk mitigation techniques, and post-sanction monitoring.
By the end of the course, learners will be better equipped to independently analyse a credit proposal, identify key risks, evaluate repayment capacity, and make professionally sound lending recommendations.
Who this course is for

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Financials students/professionals willing to join banks/ NBFCs as Credit Analyst
Homepage

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