Banking Credit Analysis Process (for Bankers)

Ca Raja Natarajan, Chartered Accountant

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19 Videos (1h 23m)
    • Why Credit Analysis Required

    • Know Your Customers

    • Know Customer Integrity

    • Know Performance Efficiency

    • Know Financial Position and ability to Pay Back

    • Know about Industry

    • Legal and Valuation of Securities

    • Why Past Loans Matter

    • Structure of Balance Sheet

    • What is important in Reading Balance Sheet

    • Second Balance Sheet Reading Skill Understanding Liquidity Position

    • Third Balance Sheet Reading Skill - Performance Measurement

    • Financial Ratio Analysis

    • Current Ratio

    • Quick Ratio

    • Defense Interval Ratio

    • Capital Structure Ratio (Equity Ratio)

    • Capital Structure Ratios (Debt Ratio)

    • Capital Structure Ratios (Debt to Equity Ratio)


About This Class

Credit Analysis is the core process adopted by any Bank to understand, evaluate and appreciate about the Customers Identity, Integrity, Financial Position, - Repayment Capacity, Etc.

Every Banker should be through with Credit Analysis Process because day in day out they have to deal with new customers and before sanctioning any new loans to them, Banker should have made detailed study of their customers.

No Banker can raise to top unless he becomes conversant with Credit Analysis Process.

Bank would generally throw employees on to the job before they get opportunity to be trained. This is with more specific reference to Credit Analysis where Bankers should under detailed learning process, else their mistakes in the process will be Very Costly beyond their manageable Position.

Hence, this course will provide platform to Bankers to have fall back reference on the Critical Aspects of Credit Analysis Process, Banking/ Management Consultants can also use this course for the equipping themselves to the expectations of the Bankers while handling Credit Proposals.

This Course has been Structured in self paced Learning Style.

Learners can Learn Credit Analysis process at their own time, Convenience and place.

Materials used in this Course will enable the participants to understand credit Analysis Process with almost Clarity.







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Ca Raja Natarajan

Chartered Accountant

I am a Chartered Accountant with tonnes of passion for teaching.

I teach Financial Management for Chartered Accountancy and Cost and Management Accountancy students in Ernakulam,India. and I teach 100+ Finance, Accounts, Costing, Banking, Credit Analysis, Statistics, etc. in Skillshare.  

I also hold

  1. Post Graduate Diploma in Business Administration in Finance from Symbiosis, Pune
  2. Bachelors in Commerce, from Loyola College, Chennai.

I worked in State Bank of India as Assistant Vice President - Credit for a period of four years after which i started my Chartered Accountancy Practice.

During the stint in State Bank of India, I worked on credit proposals of Mid Corporate Units and gained good experience in

a) Financial Analysis

b) Risk Assessment

c) Viability Study

d) Evaluating business models

e) Project Finance

f) Working Capital Management, etc.

I conduct work shops for Entrepreneurs, Chartered Accountancy / Cost and Management Accountancy Students on the topics like

a) Project Finance

b) Credit Risk Assessment

c) Entrepreneurship Development

d) Finance for Non Finance Executives

e) Burning Desire for Entrepreneurship

I love teaching and i want fundamentals of accounting and finance to reach students and so i am here.