Banking

Commercial Credit & SME Lending Specialist

Master working capital assessment, CMA data preparation, ratio analysis, and credit sanction appraisal.

No reviews yet (New Cohort)
12 Weeks
Certificate of Completion
Instructor
Anand Deshpande, Former Credit Head, ICICI Bank SME Division
Download Course Syllabus (PDF)View all Banking syllabi (PDF) →
Full Upfront Fee (All-Inclusive)
₹7,668Incl. 18% GST
Base Program Tuition:₹5,499
Assessment & Capstone Exam Fee:₹999
Statutory GST (18%):₹1,170
Total Payable Upfront:₹7,668
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Transparent Pricing • No Hidden Graduation or Certificate Surcharges

This course includes:

  • Real-world case studies
  • Expert instructor feedback
  • Downloadable resume templates
  • Verified Certificate
Download Complete Syllabus (PDF)

About This Course

An advanced 10-week professional credit underwriting program for banking aspirants looking to join commercial credit desks, SME processing units, and NBFC risk teams. Hands-on training on CMA data spreading, Tandon & Nayak committee norms, DSCR sensitivity testing, and credit appraisal note (CAN) drafting.

Course Curriculum

Module 1: Financial Statement Spreading & CMA Formulation

3 lessons
Balance Sheet Analysis & Adjusted Tangible Net Worth (ATNW)
Preview
P&L Spreading, Operating Margins & EBITDA Reconciliation
Preparing 5-Year Comparative CMA Projections

Module 2: Working Capital Assessment (Fund & Non-Fund Based)

3 lessons
Operating Cycle & Cash Conversion Days Computation
Maximum Permissible Bank Finance (MPBF) Calculation Matrix
Structuring Letters of Credit (LC) & Bank Guarantees (BG)

Module 3: Term Loan Appraisal & Project Finance

3 lessons
Calculating Gross & Net DSCR with Amortization Schedules
Project Cost Assessment, Margin Money & Financial Closure
Collateral Valuation, Hypothecation & ROC Charge Creation (Form CHG-1)

Module 4: Non-Financial Risk & Governance Appraisal

3 lessons
Deciphering CIBIL Commercial & TransUnion CIR Reports
MCA Director Disqualifications, Related Party Scrutiny & Litigations
Conducting Unit Inspection & Stock Audit Verification

Module 5: Credit Memo Drafting & Sanction Committee Defense

3 lessons
Writing the Executive Credit Proposal & SWOT Matrix
Designing Pre-Sanction & Post-Disbursement Protective Covenants
Capstone Defense: Defending a ₹15 Crore SME Loan Proposal

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