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.

Credit Appraisal has gained immense popularity across the globe resulting in huge demand for certified professionals.

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.

Credit Appraisal certified professionals, executives and managers are in high demand in companies across the globe.

Who should take the Credit Appraisal Exam?

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

Knowledge and Skills required for the Credit Appraisal

Specific skills are needed to excel in career of credit appraisal which includes analytical bent of mind and quick learning skills.

Credit Appraisal Practice Exam Objectives

Credit Appraisal exam focuses on assessing your skills and knowledge in concepts and application of financial analysis and credit basics.

Credit Appraisal Practice Exam Pre-requisite

There are no prerequisites for the Credit Appraisal exam. Candidates who are well versed  in financial analysis and credit basics can easily clear the exam.

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

Exam Format and Information

Certification name – Certificate in Credit Appraisal
Exam duration – 60 minutes
Exam type - Multiple Choice Questions
Eligibility / pre-requisite - None
Exam language - English
Exam format - Online
Passing score - 25
Exam Fees  - INR 1199