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FINANCE ACCOUNTING   

Banking Credit Analysis Training

Hands-on Banking Credit Analysis Masterclass

Build practical skills in banking credit analysis, borrower assessment, financial statement evaluation, and credit risk analysis. Learn through real-world case studies and hands-on exercises to develop career-ready banking credit analysis expertise.

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Course Overview
  

Course Overview

Banking credit analysis is a critical function that enables financial institutions to make informed lending decisions while effectively managing credit risk. Credit professionals are responsible for evaluating borrower financial health, assessing business viability, analyzing repayment capacity, recommending suitable credit facilities, and ensuring compliance with banking regulations. As lending environments become increasingly data-driven and regulated, organizations require professionals who possess strong analytical, financial, and risk assessment skills.

The Banking Credit Analysis Training by myTectra is a comprehensive instructor-led program designed to equip participants with practical expertise in banking credit analysis, financial statement interpretation, loan appraisal, working capital assessment, project finance, trade finance, credit risk evaluation, and commercial lending practices. Participants will gain hands-on experience in analyzing borrower financials, preparing loan proposals, evaluating business risks, performing ratio and cash flow analysis, and using Microsoft Excel for financial modeling and credit reporting.

Through real-world banking case studies, credit appraisal simulations, Excel-based financial analysis, portfolio evaluation exercises, AI-assisted credit analytics demonstrations, and an industry-focused capstone project, participants will develop the knowledge and confidence to make sound lending decisions while minimizing credit risk and supporting sustainable banking operations.

Course Objectives

Upon successful completion of this training, participants will be able to:

  • Understand banking operations and the complete credit analysis lifecycle.
  • Read and interpret financial statements for lending decisions.
  • Prepare professional bank loan proposals and credit appraisal reports.
  • Analyze financial ratios, cash flows, and working capital requirements.
  • Assess borrower, business, and industry-specific risks.
  • Evaluate project finance and term loan proposals using industry metrics.
  • Understand trade finance products and non-fund-based credit facilities.
  • Apply credit rating methodologies and regulatory compliance practices.
  • Build Microsoft Excel models for banking credit analysis and reporting.
  • Make informed lending recommendations using structured credit analysis techniques.

Prerequisites

Recommended:

  • Basic understanding of accounting and finance principles
  • Familiarity with financial statements
  • Basic Microsoft Excel knowledge
  • Interest in banking, lending, or financial services

No prior banking credit analysis experience is required.

Target Audience

This course is ideal for:

  • Banking Credit Analysts
  • Credit Risk Analysts
  • Commercial Banking Professionals
  • Corporate Banking Executives
  • Loan Officers
  • Relationship Managers
  • Branch Managers
  • Credit Managers
  • Financial Analysts
  • Risk Management Professionals
  • Internal Auditors
  • Finance Managers
  • MBA Finance Students
  • Commerce Graduates
  • Professionals pursuing careers in banking and credit analysis

Training Methodology

  • Instructor-Led Interactive Sessions
  • Hands-on Banking Credit Analysis Workshops
  • Microsoft Excel Practical Labs
  • Financial Statement Analysis Exercises
  • Real-World Banking Case Studies
  • Loan Appraisal Simulations
  • AI-Assisted Credit Analytics Demonstrations
  • Group Discussions and Collaborative Learning
  • Capstone Project with Practical Assessment
  • Interactive Question-and-Answer Sessions

Tools Covered

  • Microsoft Excel
  • Financial Statement Analysis Templates
  • Credit Appraisal Worksheets
  • Loan Amortization Models
  • Financial Ratio Analysis Tools
  • Cash Flow Forecasting Models
  • Credit Risk Assessment Frameworks
  • PivotTables and PivotCharts
  • Executive Credit Dashboards
  • AI-Assisted Credit Analytics Tools

Key Benefits

  • Master banking credit analysis across the complete lending lifecycle.
  • Analyze financial statements to improve commercial lending decisions.
  • Prepare professional loan appraisals using banking industry practices.
  • Evaluate working capital and project finance requirements effectively.
  • Strengthen borrower assessment through structured credit risk analysis.
  • Build Excel models for banking credit evaluation and financial reporting.
  • Apply credit rating techniques for accurate lending recommendations.
  • Monitor loan portfolios using early warning indicators and analytics.
  • Gain practical expertise through real banking case studies and projects.
  • Prepare for careers in commercial banking, credit analysis, and lending.
  

Course Outcomes

After completing this course, participants will be able to:

Borrower financial statements for banking credit decisions.
Borrower financial statements for banking credit decisions.
Professional credit appraisal reports for lending cases.
Professional credit appraisal reports for lending cases.
Working capital and term loan requirements confidently.
Working capital and term loan requirements confidently.
Perform ratio, fund flow, and cash flow analysis.
Perform ratio, fund flow, and cash flow analysis.
Assess borrower risks using banking credit methodologies.
Assess borrower risks using banking credit methodologies.
Apply credit rating models supporting lending decisions.
Apply credit rating models supporting lending decisions.
Monitor loan performance using early warning indicators.
Monitor loan performance using early warning indicators.
Build Excel-based banking credit models & reporting tools.
Build Excel-based banking credit models & reporting tools.
Compliance with banking regulations and policies.
Compliance with banking regulations and policies.

Sound commercial banking decisions using credit analysis.

Sound commercial banking decisions using credit analysis.
  

Course Outline

Module 1: Banking Industry Fundamentals and Credit Analysis Process

Topics Covered

  • Banking Industry Overview
  • Types of Banks and Financial Institutions
  • Banking Products and Services
  • Corporate Banking Fundamentals
  • Banking Credit Analysis Process
  • Commercial Lending Principles
  • Credit Lifecycle
  • Roles and Responsibilities of Credit Analysts
  • Banking Regulations Overview
  • Industry Best Practices

Practical Workshops

  • Explore banking operations
  • Review lending workflows
  • Analyze banking products
  • Understand commercial lending scenarios
Module 2: Financial Statement Analysis for Banking Credit

Topics Covered

  • Reading Financial Statements
  • Income Statement Analysis
  • Balance Sheet Analysis
  • Cash Flow Statement Interpretation
  • Revenue and Expense Recognition
  • Asset and Liability Analysis
  • Equity Evaluation
  • Financial Reporting Standards
  • Accounting Adjustments
  • Financial Health Assessment

Practical Workshops

Analyze:

  • Financial statements
  • Business performance
  • Accounting quality
  • Borrower financial strength
Module 3: Bank Loan Proposal and Credit Appraisal

Topics Covered

  • Loan Proposal Preparation
  • Credit Appraisal Process
  • Borrower Assessment
  • Business Profile Evaluation
  • Promoter Analysis
  • Industry Assessment
  • Loan Documentation
  • Credit Recommendation Writing
  • Credit Committee Process
  • Loan Approval Workflow

Practical Workshops

Prepare:

  • Loan proposals
  • Credit appraisal reports
  • Borrower assessment summaries
  • Lending recommendations
Module 4: Financial Ratio, Fund Flow, and Cash Flow Analysis

Topics Covered

  • Liquidity Ratios
  • Profitability Ratios
  • Solvency Ratios
  • Efficiency Ratios
  • Fund Flow Analysis
  • Cash Flow Analysis
  • Working Capital Analysis
  • Financial Performance Indicators
  • Cash Generation Assessment
  • Repayment Capacity Evaluation

Practical Workshops

Develop:

  • Ratio analysis reports
  • Fund flow statements
  • Cash flow assessments
  • Credit evaluation summaries
Module 5: Business Risk Analysis and Industry Evaluation

Topics Covered

  • Business Risk Assessment
  • Industry Risk Analysis
  • Competitive Position Analysis
  • Operational Risk
  • Market Risk
  • Management Quality Assessment
  • Economic Risk Factors
  • ESG Considerations
  • Business Sustainability
  • Risk Mitigation Strategies

Practical Workshops

Evaluate:

  • Industry outlook
  • Business risks
  • Competitive positioning
  • Borrower sustainability
Module 6: Working Capital Assessment and Banking Credit Facilities

Topics Covered

  • Working Capital Assessment
  • Cash Credit
  • Overdraft Facilities
  • Receivables Financing
  • Inventory Financing
  • Stock Statement Analysis
  • Packing Credit
  • Bill Discounting
  • Banking Credit Products
  • Credit Monitoring Techniques

Practical Workshops

Assess:

  • Working capital requirements
  • Credit facility utilization
  • Borrower financing needs
  • Stock statement reviews
Module 7: Trade Finance and Non-Fund-Based Credit

Topics Covered

  • Letter of Credit (LC)
  • Bank Guarantee (BG)
  • Export Credit
  • Export Finance
  • Import Finance
  • Supply Chain Financing
  • Trade Finance Instruments
  • Terms of Payment
  • International Trade Risks
  • Documentary Credit Operations

Practical Workshops

Prepare:

  • Trade finance cases
  • LC documentation
  • Bank guarantee analysis
  • Export finance assessments
Module 8: Term Loan Appraisal and Project Finance

Topics Covered

  • Project Finance Fundamentals
  • Project Report Evaluation
  • Term Loan Appraisal
  • Debt Service Coverage Ratio (DSCR)
  • Fixed Obligation to Income Ratio (FOIR)
  • Break-Even Analysis
  • Sensitivity Analysis
  • Capital Investment Evaluation
  • Loan Repayment Scheduling
  • Loan Structuring

Practical Workshops

Create:

  • Project appraisal reports
  • Term loan models
  • DSCR calculations
  • Sensitivity analysis reports
Module 9: Credit Rating and Credit Scoring

Topics Covered

  • Introduction to Credit Rating Systems
  • Internal Credit Risk Rating Models
  • Credit Risk Rating for Trading Entities
  • Credit Risk Rating for Non-Trading Entities
  • Credit Scoring Methodologies
  • Probability of Default (PD)
  • Loss Given Default (LGD)
  • Exposure at Default (EAD)
  • Risk-Based Lending Decisions
  • Borrower Classification and Risk Grades

Practical Workshops

Develop:

  • Internal credit rating reports
  • Credit scorecards
  • Borrower risk profiles
  • Lending recommendations
Module 10: Loan Pricing and Banking Policies

Topics Covered

  • Marginal Cost of Funds Based Lending Rate (MCLR)
  • Loan Pricing Methodologies
  • Interest Rate Structures
  • Credit Policy Framework
  • Banking Lending Guidelines
  • Defaulters List Review
  • Credit Terms and Conditions
  • Risk-Based Pricing
  • Loan Approval Policies
  • Lending Best Practices

Practical Workshops

Prepare:

  • Loan pricing models
  • Interest rate calculations
  • Credit policy assessments
  • Pricing recommendation reports
Module 11: Loan Monitoring and Post-Sanction Management

Topics Covered

  • Post-Sanction Credit Monitoring
  • Physical Inspection of Borrower Operations
  • Review of Conduct of Account
  • Loan Account Monitoring
  • Early Warning Signals
  • Identification of Stress Accounts
  • Non-Performing Assets (NPA)
  • Recovery and Restructuring Strategies
  • Credit Review Process
  • Portfolio Monitoring Best Practices

Practical Workshops

Perform:

  • Loan monitoring exercises
  • Early warning assessments
  • Credit review reports
  • Recovery planning activities
Module 12: Audit, Compliance, and Regulatory Framework

Topics Covered

  • Internal Audit Requirements
  • External Audit Reports
  • Banking Compliance Standards
  • Know Your Customer (KYC)
  • Anti-Money Laundering (AML) Fundamentals
  • Contingencies and Risk Factors
  • Banking Governance
  • Internal Controls
  • Regulatory Reporting
  • Audit Readiness

Practical Workshops

Develop:

  • Compliance checklists
  • Audit preparation reports
  • KYC review documents
  • Regulatory assessment summaries
Module 13: Microsoft Excel for Banking Credit Analysis

Topics Covered

  • Excel for Financial Statement Analysis
  • Loan Amortization Models
  • Financial Ratio Calculations
  • Cash Flow Forecasting
  • Credit Risk Dashboards
  • PivotTables and PivotCharts
  • Conditional Formatting
  • Scenario and Sensitivity Analysis
  • Automated Financial Reporting
  • Executive Credit Dashboards

Practical Workshops

Create:

  • Credit analysis workbooks
  • Financial models
  • Credit monitoring dashboards
  • Executive lending reports
Module 14: AI and Data Analytics in Banking Credit

Topics Covered

  • AI in Banking and Lending
  • Predictive Credit Analytics
  • AI-Based Credit Scoring
  • Fraud Detection Techniques
  • Early Warning Prediction Models
  • Intelligent Loan Monitoring
  • Data-Driven Credit Decisions
  • Automated Risk Assessment
  • Ethical AI in Banking
  • Emerging Trends in Digital Lending

Practical Workshops

Build:

  • Predictive credit models
  • AI-assisted lending reports
  • Fraud detection scenarios
  • Credit analytics dashboards
Module 15: Real-World Banking Credit Case Studies

Topics Covered

  • Adani Enterprises Financial Statement Analysis
  • Infosys Financial Statement Analysis
  • SME Lending Case Studies
  • Corporate Banking Credit Appraisal
  • Working Capital Financing Cases
  • Trade Finance Scenarios
  • Credit Committee Simulations
  • Loan Proposal Reviews
  • Banking Best Practices
  • Lessons Learned from Credit Decisions

Practical Workshops

Evaluate:

  • Real borrower financials
  • Lending proposals
  • Credit risks
  • Commercial banking case studies
Module 16: Capstone Project – End-to-End Banking Credit Appraisal and Lending Decision

Comprehensive Industry Project

Participants will:

  • Analyze borrower financial statements to assess financial health and repayment capacity.
  • Prepare a complete bank loan proposal and professional credit appraisal report.
  • Perform ratio analysis, fund flow analysis, cash flow analysis, DSCR, and FOIR calculations.
  • Evaluate working capital requirements and recommend suitable banking credit facilities.
  • Appraise project finance proposals using break-even and sensitivity analysis techniques.
  • Structure term loans, trade finance facilities, collateral requirements, and repayment schedules.
  • Apply internal credit rating methodologies to support informed lending decisions.
  • Monitor post-sanction loan performance using banking risk indicators and early warning signals.
  • Build Microsoft Excel-based financial models and executive credit dashboards.
  • Present a comprehensive banking credit assessment and lending recommendation to a simulated credit committee.

Join the Course Now!
  

Clients Testimonials

Hear what our learners say about myTectra!

The practical approach of this training made a noticeable difference in the way I evaluate loan proposals. The sessions on financial statement analysis, working capital assessment, and credit appraisal were backed by realistic banking examples instead of just theory. I now prepare credit recommendations with much greater confidence and accuracy.
Siva Rajesh
Credit Analyst
This program gave me a structured understanding of the complete lending process, from borrower assessment to post-sanction monitoring. The modules on trade finance, credit rating, and term loan appraisal were particularly valuable because they reflected the challenges we deal with in day-to-day banking operations. The trainers were knowledgeable and encouraged practical discussions throughout the course.
Supriya Chowdary
Relationship Manager, Corporate Banking
The balance between banking concepts and hands-on Excel exercises made this course highly effective. I especially appreciated the real company case studies, which helped me understand how experienced credit professionals analyze financial statements before making lending decisions. myTectra has put together a course that is both relevant and immediately applicable in the workplace.
Himanshu Jain
Assistant Manager, Credit Risk
I joined this training to strengthen my knowledge of credit analysis, and it exceeded my expectations. Learning how to evaluate cash flows, assess repayment capacity, review loan proposals, and identify early warning signals has improved the quality of my credit reviews. The practical assignments and interactive sessions kept the learning engaging from start to finish.
Hari Sabarish
Senior Banking Operations Executive

Why Choose Us?

Discover key features that set our training apart.

Expert-Led Training

Learn from certified instructors with real-world industry experience.

Hands-On Learning

Practical assignments and projects to build job-ready skills.

Globally Recognized Certificate

Earn a professional certificate to boost your career opportunities.

FAQ's

What is the duration of this course?

The total course duration is 40 hours delivered via instructor-led sessions and practical labs.

Will I get placement assistance?

myTectra is providing 100% placement assistance on our key courses. We help you with the career counselling, Exams on Key courses, Mock Interviews and Technical Interviews Tips.

Landing an interview proves that you have the job-specific skills for the position, but how do your interview skills stack up? Also, Soft skills are often the most important factor in showing you're the best candidate for the job.

Hence we are conducting FREE TRAINING on Soft-Skills worth Rs-25, 000 to all myTectra students which will help you to attend the interviews with more confidence.

What if I miss a class?

You will never miss a lecture at myTectra. You can choose either of the two options:

Classroom Training:

  • If you miss one or few classes we can give a backup class based on trainer and your convenient time. 
  • In case if you miss many classes, we can reschedule your class with upcoming batches or other running batches based on how many courses topics you have completed so far.

Live-Online Training:

  • View the recorded session of the class available in your LMS.
  • You can attend the missed session, in any other live batch.
Can I attend a demo session before enrollment?

Yes. We arrange a free demo for all the courses either in the Classroom or Live-Online demo. Please fill the demo request form below to schedule a free demo.

What if I have more queries?

Just give us a CALL at +918047112411 OR email at support@mytectra.com

What are the payment options?

Payments can be made using any of the following options and a receipt of the same will be issued to you automatically via email for both classroom training and Online training.

  • Visa Debit/Credit Card
  • American Express and Diners Club Card
  • Master Card
  • PayPal
  • Net Banking/Wire Transfer
  • UPI Payment such as Google Pay, PhonePe, Paytm
  • Cash/Cheque/DD ( Not for Online Training )
Where do the classes take place?

For Individual: 

Classroom Training - Bangalore

Live-Online Training - Globally 

For Corporates: 

Classroom Training - We deliver classroom training for corporate in more than 20 countries. Send us an Enquiry Now!

Online Training - Globally

* All of the classes are conducted live online. They are interactive sessions that enable you to ask questions and participate in discussions during class time. We do, however, provide recordings of each session you attend for your future reference.

Who are the Trainers?

Our Trainer’s are chosen not only for their knowledge and expertise but also for their real-time experience in the respective courses.

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Advance Banking Credit Analysis Skills with Expert Training

Learn banking credit analysis, borrower assessment, financial statement evaluation, and practical lending decision-making skills.