This course has been designed to impart basic knowledge on 'credit risk analysis', the important element in any lending decision.
The course is relevant for both, Credit Risk personnel as well as any Relationship Manager. For the Credit Risk people, it helps form a clear framework of business risk, financial risk and management risk analysis so that it can be adopted at enterprise level. For the Relationship people, it helps to quickly filter out the credits that will meet their internal guidelines so that they can use their time efficiently.
The course on 'Financial Ratios and Credit Risk' delivers knowledge on fundamental concepts of credit risk through a step-by-step understanding of the financial ratios and cash flows so that the finance officer understands the financials of the company better. The next steps are the assessment of business risk, industry risk, management risk and various other / related factors. These are introduced through a case study approach.