Credit Appraisal, Risk Analysis and Decision Making

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Description
•  A360" Walk through to Credit Officials
•  Financing/Assessing/Appraisal of
    Fund Based-Working capital/Term loan
    Non-fund Based-LCs, BGs & Derivatives
    Trade Finance-Bill Finance, Import & Export Finance, ECBs, etc
    Project Finance
•   Analysis of Financial statements - A pragmatic approach
•  Balance Sheet, Profit & Loss & Cashflow / Fund flow items - from Banking, Accounting,
    Statutory & Management perspectives
•   Forecasting & Cash budgeting illustrations
•  Risk Management - Credit, Operational, Market & Country risks & their handling
•  Decision making Processes & Product delivery in credit - Various dimensions & Step by step
    approach with Illustration
•  Window Dressing and Red Flags - unveiled
•  An overview on Retail Credit, MSME & other lendings under Priority Sector
•  Relevant RBI Directives, provisions of Companies Act 2013 with Amendments
•  Salient Regulatory & Other trends - Overview & updates
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Contents
1. An Introduction to Credit - The Beginners' Book
2. Understanding Financial Statements - a conceptual approach
3. Understanding Profit & Loss Account Items
4. Understanding Balance Sheet items
5. Analysis of financial statements
6. Funds flow analysis
7. Cash flow analysis - a lender's perspective
8. Understanding forecasting techniques for business decisions
9. Financing Working Capital requirements
10. Cash Budgeting for Assessment of Short-term Credit Facilities
11. Trade Finance - I (Fundamentals & Concepts)
12 Trade Finance - II (Financing Exports)
13. Trade Finance III (Import Finance and ECBs)
14. Non-Fund based Credit-1 (Bank Guarantee)
15. Non-Fund based Credit II (Letters of Credit/Documentary Credit)
16. Financing Receivables
17. Credit Products a user's perspective
18. Time value of money and concept of EMI
19. Retail credit Housing. Education and other retail loan
20. Financing Priority Sector & Small Enterprises
21. Understanding Break Even Analysis
22. Term loans Financing fixed/capital assets
23. Financing projects
24. Assessment of Credit & Associated Risks -
      A lending banker's perspective
25. Derivatives as Risk Management Tools
Subject Index.......
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Author Details
D-D.Mukherjee is a corporate trainer and a senior faculty in the banking and finance tin. He is associated with various institutes of repute in the country - Jawaharlal Institute of Banking and Finance (JNIBF, IDBI Bank), Hyderabad, Talentsprint Education Services Pvt. Ltd., Hyderabad and Stratadigm Education Services Pvt. Ltd., i - to name a few. Dr. Mukherjee has more than three decades of experience in inking and finance. He served State Bank of India for 25 years in various important positions followed by a seven year association with IDBI Bank as Senior Faculty. Dr. mukherjee is a post-graduate in Physics, a Certified Associate of the Indian Institute
of inking & Finance, and holds a Ph.D. in Management (Finance). Throughout his banking career, Dr. Mukherjee has dealt with appraisal, delivery, monitoring and recovery of bank credit in Corporate, Retail and International credit segments. His operational experience in bank lending includes his assignments as head of a number of large branches, commercial lending operations of a large circle of SBI and the management of credit portfolio of the circle. During the period 1998- 2004. he was a member of Faculty (Credit & IB discipline) at State Bank Staff College, hyderabad. As a member of Faculty, Dr. Mukherjee was actively involved in formulation implementation of the revised Credit Risk models for the Bank. He has also done meaningful research in the area of EMI formulations & Housing loan and has developed housing loan score card model for use by the bank.
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