Credit Appraisal, Risk Analysis and Decision Making

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Description
•  Analysis of financial statements - a pragmatic approach
•  Profit & Loss and Balance Sheet items - explained from Banking,
     Accounting, Legal & Taxation angles
•  Window Dressing techniques unveiled
•  Forecasting & Cash Budget applications illustrated
•  Decision Making in Credit - Step by step approach with real life illustrations
• Assessment of Credit, Operational, Market & Country Risks - explained in detail
• A full module on Trade Finance (including Documentary Credit)
•  Dedicated chapters on Retail Credit, Priority Sector lending & Project Finance
•  Relevant provisions of the Indian Companies Act, 2013 incorporated
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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)
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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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