Certificate in Credit Appraisal

Credit Appraisal

About Credit Appraisal

A lender or banker will evaluate a prospective borrower's creditworthiness as well as their technical viability, economic viability, and bankability through the credit appraisal process. Establishing a loan applicant's eligibility for a loan is a crucial stage.

Why is Credit Appraisal important?

To guarantee that the borrower can return the whole loan amount on time without missing any payment dates, the lender must go through a credit evaluation procedure. This is incredibly important for a bank since it influences the firm's capital and interest revenue.

Who should take the Credit Appraisal Exam?

• Credit analysts
• Bankers
  
• Consultants (Management/Banking/Finance)
• Finance Managers
• Department Heads
• Chartered Accountant
• Fixed income professionals
• Credit derivatives Professionals

Credit Appraisal Certification Course Outline

1. Introduction to Credit Analysis
2. Financial Statements
3. Analysis of Financial Ratios
4. Market Valuation Ratios
5. Fund Flow Analysis 
6. Cash Flow Analysis
7. Types of Business Loans
8. Working Capital
9. Cash Credit
10. Letter of Credit
11. Bank Guarantee
12. Term Loan Appraisal
13. Project Viability
14. Cost of Project
15. Break Even Analysis
16. Credit Rating