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  3. Basics of Financial and Credit Management

Basics of Financial and Credit Management

In this course, you will learn to work out financial statements and analysis through ratios hands down in excel format and take credit decisions as per the bank’s benchmark.

Sudam Ghosh
Sudam Ghosh
Finance | core | 5 hours 30 minutes |   Published: Jun 2022
In partnership with:  Coursera

    Discussions

Overview

1.6KSTUDENTS*
96.5%RECOMMEND*

This course includes:

  • 5.5 hours of on-demand video
  • Certificate of completion
  • Direct access/chat with the instructor
  • 100% self-paced online
Do you find difficulty in understanding banking credit and finance matters? Are you comfortable with Balance Sheet Analysis, Profitability Analysis, Ratio Analysis, DSCR, Working Capital Assessment, Term Loan Appraisal, etc.? If you are a Branch Head or a Credit Officer working in a bank or a finance company, engaged in creating a quality loan portfolio, this course is meant for you. This course will help you to rise in your career. It will help you to understand the fundamentals of credit, legal aspects, and finance-related aspects and also prepare you to work out the financial statements and analyze them, all by yourself. The focus of this course is to clear the concepts and take you to the world of financial statements and their analysis. You will learn to work out financial statements and analysis through ratios hands down in excel format and take credit decisions as per the bank’s benchmark. The Course is a blend of Conceptual and Practical aspects of Credit Management.

Skills You Will Gain

Balance sheet
Credit
Income Statement
Lending

Learning Outcomes (At the end of this program you will be able to)

  • Understanding Banking Risks and Lending Principles.
  • Understanding Due Diligence in Credit.
  • Understanding Feasibility & Viability Study.
  • Understanding the legal aspects of Sole Proprietorship, Partnership Firm & Company.
  • Understanding the Borrowing Powers of a Company.
  • Understanding Financial Statements.
  • Understanding Balance Sheet Structure and its concepts.
  • Understanding Income Statement.
  • Learning how to Analyse Income Statement.
  • Understanding Ratio Analysis and Learning how to Analyse a Financial Statement. Taking decisions by applying bank’s benchmark ratios.
  • Learning Computation of Working Capital Loan by Applying Turnover Method and MPBF Methods by a banker.
  • Understanding Term Loan Characteristics.
  • Understanding DSCR Concept as a whole and applying the bank’s benchmark ratio for decision making.
  • Understanding Break-Even Analysis.
  • Learning how to prepare a Depreciation Schedule.
  • Learning how to calculate Repayment Schedule.
  • Learning how to calculate Insurance Premium.

Prerequisites

  • None

Who Should Attend

  • This course is ideally suited for bankers and finance professionals who want to rise in their career
  • This course is for those individuals who have discovered their weaknesses & gaps in knowledge and skills and wish to overcome them.
  • This course is also suited for students of finance to develop their insights and skills in banking

Curriculum

Instructors

Frequently Asked Questions

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Yes, we do offer a certification upon completion of our course to showcase your newly acquired skills and expertise.

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Our course is designed with three levels to cater to your learning needs - Core, Intermediate, and Advanced. You can choose the level that best suits your knowledge and skillset to enhance your learning experience.

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We accept various payment methods such as major credit cards, PayPal, wire transfer, and company purchase orders. For more information related to payments contact customer support.

Do you offer refunds?

Yes, we do offer a 100% refund guarantee for our courses within a specified time frame. If you are not satisfied with the course, contact our customer support team to request a refund with your order details. Some restrictions may apply.

*Where courses have been offered multiple times, the “# Students” includes all students who have enrolled. The “%Recommended” shown is also based on this data.
1Module 1 - Principles of Lending
2Module 2 - Types of Borrowers
3Module 3 - Borrowing Powers of a Company
4Module 4 - Understanding Financial Statements
5Module 5 - Understanding Balance Sheet
6Module 6 - Income Statement
7Module 7 - Ratio Analysis & Interpretation
8Module 8 - Appraisal of Working Capital Loan
9Module 9 - Appraisal of Term Loan
10Module 10 - Term Loan Case Study
Sudam Ghosh

Sudam Ghosh

Sudam Ghosh is an experienced educator and financial expert, bringing over three decades of professional expertise to his role as an instructor. His career began in the banking sector, where he served for 36 years with United Bank of India, progressing from Credit Officer to Chief Manager and Faculty. During his tenure, he managed large branches, led training initiatives, and conducted workshops for senior bank executives, gaining deep insights into credit management, finance, and risk management.

This rich professional background has significantly shaped his teaching philosophy. Sudam is committed to delivering comprehensive, real-world education across a variety of platforms. He has developed and taught numerous courses on finance, banking, risk management, and even psychotherapies, emphasizing the integration of theoretical concepts with practical applications.

As an instructor on platforms such as Udemy, Alison, BitDegree, and Skill Success, Sudam has reached a diverse global audience. His teaching is known for its clarity, depth, and immediate applicability. In addition to his instructional work, he is the founder of Zenith Academics, where he provides consulting services and creates specialized online courses tailored to industry and learner needs.

Sudam’s mission is to empower professionals with actionable insights that can be directly applied in the workplace. Through his detailed courses on banking practices, financial planning, and risk mitigation, he strives to make complex financial topics engaging, accessible, and impactful for learners at every stage of their careers.

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Segment - 08 - Introduction

Segment - 09 - Individual Borrower

Segment - 10 - Partnership Firms

Segment - 11 - HUF

Segment - 12 - Company Features

Segment - 13 - Hybrid Companies

Segment - 21 - Introduction to Ratios

Segment - 22 - Liquidity Ratios

Segment - 23 - Practical Work Out with Liquidity Ratios

Segment - 24 - Solvency Ratios

Segment - 25 - Turnover Ratios

Segment - 26 - Profitability Ratios

Segment - 27 - Interpretation of Ratios

Segment - 19 - What is Income Statement?

Segment - 20 - Analysis of Income Statement

Segment - 00 - Course Outline

Segment - 01 - Introduction

Segment - 02 - Banking Risks & Lending Principles

Segment - 03 - Due Diligence in Credit

Segment - 04 - 3 C's of the Borrower

Segment - 05 - 6 P's of the Borrower

Segment - 06 - MASTDAY Principle on Security

Segment - 07 - Feasibility & Viability Study

Segment - 14 - Borrowing Power of a Company

Segment - 16 - Balance Sheet Structure & Concepts

Segment - 17 - Fixed Assets

Segment - 10 - Other Assets

Segment - 28 - What is Working Capital Loan?

Segment - 29 - Working Capital Cycle

Segment - 30 - CC Limit, Margin & Drawing Power

Segment - 31 - Turnover Method

Segment - 32 - MPBF Methods

Segment - 40 - Technical and Financial Parameters

Segment - 41 - Project Cost & Means of Finance

Segment - 42 - Working of Various Schedule

Segment - 43 - Profit & Loss Account, DSCR & Reserves & Surplus

Segment - 44 - Cash Flow Statement

Segment - 45 - Balance Sheet

Segment - 46 - Analysis of Case Study

Segment - 33 - Characteristics of Term Loans

Segment - 34 - Calculation of Depreciation

Segment - 35 - Drawing Repayment Schedule

Segment - 36 - Calculating DSCR

Segment - 37 - Security Coverage Ratio

Segment - 38 - Break Even Analysis

Segment - 39 - Break Even Case Study

Segment - 15 - What are Financial Statements?