Credit Risk Analysis

Description

This highly practical course has been specifically designed for candidates aspiring for a career in Commercial and Retail Finance, Credit Appraisal, Credit Monitoring, Credit Ratings and Credit Strategy.

Credit risk is a lender's potential for financial loss to a creditor, or the risk that the creditor will default on a loan. Lenders consider several factors when assessing a borrower's risk, including their income, debt, and repayment history.

redit risk analysis is the process of evaluating the likelihood of a borrower defaulting on a loan. Lenders use various techniques and models to assess the creditworthiness of individuals and businesses. Credit risk analysis helps lenders to minimize losses, optimize interest rates, and diversify portfolios. Credit risk analysis also benefits borrowers by enabling them to access credit, improve their credit scores, and negotiate better terms.

This course will cover relevant and practical topics like Liquidity Analysis, Stress Testing, Comparison: Sector versus Global, Liquidation Scenario and Event, M&A/LBO, Banker’s Angle to Credit Analysis, Bank CMA Format and Credit Policy Formulation, Preparation of Credit Proposal and Credit Appraisal, Capital Budgeting Methods, Loan/Bond, Behavioral Aspects of Credit officer, Pre-sanction Methodologies and Analysis, Know your Customer (KYC) requirements, ESG Analysis for Loans/Bonds, Case studies.

This course will will enable the students to Perform credit appraisal with global best practices, Generate better trade ideas & identify problem loans, Amplify their credit monitoring system, Enhance Basel based internal rating system, Make lending and investment recommendations and Design credit strategy and credit portfolios.

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