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edX

Introduction to Corporate Credit

State Bank of India via edX

Overview

Policy makers of the country, Corporate Entities, Individuals pursuing Finance course, Professionals engaged in corporate credit, Lenders providing finance to the corporate - are all dabbling with the importance of credit and commercial lending, in one way or the other, in the economic progress of a nation. ****

This course is intended to provide, in detail, the conceptual clarity and process flow as to how the requirement of finance is established, how it is delivered and how the quality of the credit portfolio is maintained. The repayment mechanisms, covenants and concepts of how the funds get recycled in the economy would be appreciated. Presented in a simple, logical and lucid manner, the course does not demand any prior basic knowledge of Finance, Banking or allied areas.

The course will be of value to the Graduates and MBAs pursuing Banking & Finance subjects owing to its clarity, brevity and easy-to-understand format. It will also be of value to practising bankers (e.g., Credit Analysts, Relationship Managers, Maintenance Officers) who desire intensive exposure to the different facets of credit portfolio. The course will contribute immensely to Senior Finance Executives from various industries / corporate, seeking credit facilities from Banks and Financial Institutions and selecting the appropriate credit products for their enterprises. The course will afford an immersive experience to investors active in the debt market globally.

Syllabus

Section 1: Evolvement of Corporate Finance

Subsection 1- Inception of credit & its evolution – Development of Transaction Banking

Subsection 2- Surplus & Deficit sectors of the economy – Channelising resources from the Surplus to Deficit Sectors – Financial Intermediation

Subsection 3- Cardinal principles of credit.

Subsection 4- Five C’s

Section 2: Legal framework

Subsection 1- Legal framework concerning Corporate credit.

Subsection 2- Documentation of the Lender-borrower contractual relationship.

Subsection 3- Conflict resolution in international trade.

Section 3: KYC & Due Diligence- its relevance

Subsection 1-Trade Based Money Laundering

Subsection 2- FATCA

Subsection 3- CRS

Section 4: Financial Statement Analysis.

Subsection 1: Structure of P&L, Balance Sheet – Documentation of Performance and Financials of Business Entities

Subsection 2: Various Financial Ratios and their implications.

Subsection 3: Measurement of credit risk as modelled from Financial Ratios.

Subsection 4: Analysis of the Financial Statements – Extracting the meaning out of the organised numbers.

Subsection 5: Cash & funds flow – significance.

Subsection 6: Creative accounting

Section 5: Quantitative Credit- Analysis & Appraisal

Subsection 1: Appraisal & Assessment- quantification of credit needs & risk mitigation.

Subsection 2: Different products of credit (Revolving Credit, SBLC etc)

Subsection 3: Project Finance- funding of fixed assets.

Section 6: Banking beyond natural boundaries

Subsection 1: Theories & Concepts of Foreign Exchange

Subsection 2: Different products available ( LC, BG, etc.)

Subsection 3: Risk mitigation.

Subsection 4: International Law & Practices.

Section 7: Credit administration

Subsection 1: Execution of Documents - Formation of specific contracts & agreements: Borrower & Guarantor's legal obligations

Subsection 2: Disbursement of funds (Consortium, MBA, Sole banking)

Subsection 3: Monitoring of financial assets- protecting the economic value of the financial portfolio.

Subsection 4: Information needs & flow.

Section 8: Business failure & bailout

Subsection 1: Business failures

Subsection 2: Its impact on the economy/lenders

Subsection 3: Bailout-the process

Taught by

SUDIP KAVIRAJ

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