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FINANCE ACCOUNTING   

Financial Analysis, Term Loan Appraisal, and Working Capital Management Training

Learn Financial Analysis, Term Loan Appraisal & Working Capital Management

Develop practical skills in financial analysis, term loan appraisal, working capital management, and credit evaluation. Learn through real-world case studies and hands-on exercises to build career-ready expertise in financial decision-making, lending assessment, and business finance.

financial-analysis-term-loan-appraisal-and-working-capital-management-training
Course Overview
  

Course Overview

Sound financial analysis and credit appraisal are critical for making informed lending, investment, and business decisions. Financial institutions and corporate organizations rely on robust financial statement analysis, project appraisal, working capital assessment, and credit risk evaluation to determine business viability, optimize financing structures, and manage financial risks. Professionals who can accurately assess financial performance and recommend appropriate financing solutions play a vital role in supporting sustainable business growth.

The Financial Analysis, Term Loan Appraisal, and Working Capital Management Training by myTectra is a comprehensive instructor-led program designed to equip banking professionals, credit analysts, finance managers, relationship managers, and corporate finance professionals with practical expertise in financial analysis, loan appraisal, working capital financing, and credit decision-making. Participants will learn how to interpret financial statements, evaluate borrower creditworthiness, assess project feasibility, determine working capital requirements, perform term loan appraisals, and recommend appropriate credit facilities using industry-standard methodologies.

Through real-world banking case studies, Microsoft Excel-based financial analysis, credit appraisal simulations, financial modeling exercises, and interactive workshops, participants will develop the skills needed to evaluate business performance, assess lending risks, optimize financing decisions, and prepare professional credit appraisal reports aligned with modern banking and corporate finance practices.

Course Objectives

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

  • Analyze financial statements to evaluate business performance.
  • Perform ratio, cash flow, and fund flow analysis effectively.
  • Assess project feasibility and term loan requirements.
  • Evaluate borrower creditworthiness and lending risks.
  • Determine working capital needs using industry methodologies.
  • Analyze CMA data and working capital financing proposals.
  • Structure loan facilities based on business requirements.
  • Develop financial models for lending and investment decisions.
  • Prepare comprehensive credit appraisal and management reports.
  • Support strategic lending and financial decision-making confidently.

Prerequisites

Recommended:

  • Basic understanding of accounting principles
  • Familiarity with financial statements
  • Basic Microsoft Excel knowledge
  • Interest in banking, corporate finance, or credit analysis

No prior experience in loan appraisal or working capital assessment is required.

Target Audience

This course is ideal for:

  • Credit Analysts
  • Relationship Managers
  • Banking Professionals
  • Commercial Lending Officers
  • Corporate Finance Professionals
  • Finance Managers
  • Treasury Professionals
  • FP&A Professionals
  • Financial Analysts
  • Investment Analysts
  • Business Analysts
  • Financial Controllers
  • Chartered Accountants (CA)
  • CMA Professionals
  • MBA Finance Graduates
  • Risk Management Professionals
  • Loan Processing Professionals
  • Professionals involved in credit appraisal and working capital management

Training Methodology

  • Instructor-Led Interactive Sessions
  • Hands-on Microsoft Excel Workshops
  • Financial Statement Analysis Exercises
  • Credit Appraisal Simulations
  • Working Capital Assessment Workshops
  • Banking and Corporate Finance Case Studies
  • Financial Modeling Labs
  • Group Discussions and Problem-Solving Sessions
  • Capstone Project
  • Interactive Assessments and Knowledge Reviews

Tools Covered

  • Microsoft Excel
  • Excel Financial Functions
  • PivotTables and PivotCharts
  • Financial Ratio Analysis Templates
  • Cash Flow Modeling Templates
  • CMA Data Formats
  • Loan Appraisal Models
  • Financial Dashboard Templates
  • AI Productivity Tools (Concepts)
  • Business Intelligence Reporting Concepts

Key Benefits

  • Master financial analysis techniques for lending and investment decisions.
  • Strengthen expertise in term loan appraisal and project evaluation.
  • Develop practical skills in working capital assessment and financing.
  • Improve credit risk assessment and borrower evaluation capabilities.
  • Build Excel-based financial models for professional credit appraisal.
  • Analyze CMA data and structure appropriate banking facilities.
  • Apply industry-standard techniques for commercial lending decisions.
  • Enhance reporting skills with executive-ready financial dashboards.
  • Gain hands-on experience through real-world banking case studies.
  • Advance your career in banking, credit analysis, corporate finance, and commercial lending.
  

Course Outcomes

After completing this course, participants will be able to:

Financial statements to assess business performance.
Financial statements to assess business performance.
Evaluate liquidity, profitability, solvency, and efficiency.
Evaluate liquidity, profitability, solvency, and efficiency.
Perform comprehensive term loan & project appraisal.
Perform comprehensive term loan & project appraisal.
Working capital requirements using standard methods.
Working capital requirements using standard methods.
Analyze CMA data and determine credit facilities.
Analyze CMA data and determine credit facilities.
Evaluate borrower creditworthiness and lending risks.
Evaluate borrower creditworthiness and lending risks.
Build financial models to support investment decisions.
Build financial models to support investment decisions.
Structure loans aligned with business cash flow & capacity.
Structure loans aligned with business cash flow & capacity.
Prepare professional credit appraisal and reports.
Prepare professional credit appraisal and reports.
Strengthen commercial banking, credit analysis & finance.
Strengthen commercial banking, credit analysis & finance.
  

Course Outline

Module 1: Introduction to Financial Analysis and Credit Appraisal

Topics Covered

  • Banking and Corporate Finance Overview
  • Financial Analysis Fundamentals
  • Credit Appraisal Process
  • Lending Life Cycle
  • Types of Credit Facilities
  • Financial Decision-Making Framework
  • Role of Credit Analysts
  • Financial Information Sources
  • Regulatory Considerations
  • Course Roadmap

Practical Workshops

Explore:

  • Lending workflows
  • Financial analysis concepts
  • Credit appraisal framework
  • Business financing scenarios
Module 2: Financial Statements – Structure and Interpretation

Topics Covered

  • Balance Sheet Analysis
  • Income Statement Analysis
  • Cash Flow Statement
  • Statement of Changes in Equity
  • Notes to Financial Statements
  • Accounting Policies
  • Financial Statement Linkages
  • Business Performance Assessment
  • Financial Reporting Standards
  • Practical Interpretation

Practical Workshops

Interpret:

  • Corporate financial statements
  • Business performance indicators
  • Accounting disclosures
  • Financial reporting structures
Module 3: Financial Statement Analysis

Topics Covered

  • Horizontal Analysis
  • Vertical Analysis
  • Trend Analysis
  • Comparative Financial Analysis
  • Common-Size Statements
  • Profitability Evaluation
  • Liquidity Assessment
  • Solvency Assessment
  • Efficiency Analysis
  • Financial Health Diagnostics

Practical Workshops

Analyze:

  • Financial performance
  • Profitability trends
  • Liquidity position
  • Business financial health
Module 4: Financial Ratio Analysis

Topics Covered

  • Liquidity Ratios
  • Solvency Ratios
  • Profitability Ratios
  • Efficiency Ratios
  • Activity Ratios
  • Leverage Ratios
  • Coverage Ratios
  • Cash Flow Ratios
  • Return Ratios
  • Ratio Interpretation and Benchmarking

Practical Workshops

Calculate:

  • Financial ratios
  • Benchmark comparisons
  • Business performance metrics
  • Credit evaluation indicators
Module 5: Cash Flow and Fund Flow Analysis

Topics Covered

  • Cash Flow Fundamentals
  • Operating Cash Flow
  • Investing Activities
  • Financing Activities
  • Fund Flow Analysis
  • Sources and Uses of Funds
  • Cash Generation Capacity
  • Cash Conversion Cycle
  • Liquidity Planning
  • Financial Stability Assessment

Practical Workshops

Prepare:

  • Cash flow statements
  • Fund flow analysis
  • Liquidity assessments
  • Cash generation reports
Module 6: Project Appraisal and Term Loan Evaluation

Topics Covered

  • Project Appraisal Framework
  • Technical Feasibility
  • Commercial Feasibility
  • Financial Feasibility
  • Economic Viability
  • Market Assessment
  • Cost Estimation
  • Means of Finance
  • Project Risk Analysis
  • Loan Recommendation Framework

Practical Workshops

Evaluate:

  • Project viability
  • Investment feasibility
  • Financial projections
  • Loan proposals
Module 7: Term Loan Appraisal

Topics Covered

  • Borrower Assessment
  • Promoter Evaluation
  • Industry Analysis
  • Business Risk Assessment
  • Financial Risk Assessment
  • Debt Service Coverage Ratio (DSCR)
  • Break-Even Analysis
  • Loan Repayment Capacity
  • Loan Structuring
  • Credit Decision Process

Practical Workshops

Perform:

  • Borrower evaluation
  • DSCR calculations
  • Credit risk assessment
  • Loan structuring analysis
Module 8: Working Capital Assessment

Topics Covered

  • Working Capital Fundamentals
  • Operating Cycle Analysis
  • Cash Conversion Cycle
  • Inventory Assessment
  • Receivables Analysis
  • Payables Analysis
  • Current Asset Assessment
  • Current Liability Assessment
  • Working Capital Gap Analysis
  • Bank Finance Assessment

Practical Workshops

Assess:

  • Working capital requirements
  • Operating cycles
  • Inventory efficiency
  • Financing needs
Module 9: CMA Data and Credit Assessment

Topics Covered

  • CMA Data Format
  • Financial Projections
  • Sales Projections
  • Cost Estimates
  • Cash Flow Projections
  • Working Capital Calculations
  • Maximum Permissible Bank Finance (MPBF)
  • Credit Monitoring
  • Financial Covenants
  • Practical CMA Analysis

Practical Workshops

Develop:

  • CMA data analysis
  • Financial projections
  • Working capital calculations
  • Credit assessment reports
Module 10: Non-Fund Based Credit Facilities

Topics Covered

  • Bank Guarantees
  • Letters of Credit (LC)
  • Standby Letters of Credit (SBLC)
  • Performance Guarantees
  • Financial Guarantees
  • Inland and Foreign LCs
  • Risk Assessment
  • Charges and Limits
  • Documentation Requirements
  • Monitoring Non-Fund Exposure

Practical Workshops

Analyze:

  • Non-fund credit facilities
  • LC documentation
  • Bank guarantee structures
  • Credit exposure scenarios
Module 11: Collateral and Security Evaluation

Topics Covered

  • Types of Securities
  • Primary Security
  • Collateral Security
  • Asset Valuation Methods
  • Mortgage
  • Hypothecation
  • Pledge
  • Personal and Corporate Guarantees
  • Charge Creation and Perfection
  • Security Documentation and Compliance

Practical Workshops

Evaluate:

  • Collateral adequacy
  • Security valuation
  • Charge creation
  • Documentation reviews
Module 12: Credit Risk Analysis

Topics Covered

  • Credit Risk Fundamentals
  • Borrower Risk Assessment
  • Industry Risk Analysis
  • Business Risk Evaluation
  • Financial Risk Assessment
  • Management Risk
  • Market Risk
  • Early Warning Signals (EWS)
  • Internal Credit Rating
  • Credit Risk Mitigation Strategies

Practical Workshops

Perform:

  • Credit risk analysis
  • Borrower profiling
  • Risk rating exercises
  • Lending risk evaluation
Module 13: Loan Structuring and Documentation

Topics Covered

  • Loan Structuring Principles
  • Repayment Schedule Design
  • Interest Computation
  • Moratorium Period Analysis
  • Financial Covenants
  • Loan Documentation
  • Legal Compliance
  • Disbursement Conditions
  • Post-Sanction Monitoring
  • Loan Review Process

Practical Workshops

Develop:

  • Loan structures
  • Repayment schedules
  • Credit documentation
  • Loan monitoring plans
Module 14: Financial Modeling for Loan Appraisal

Topics Covered

  • Financial Modeling Fundamentals
  • Loan Repayment Models
  • Cash Flow Forecasting Models
  • Scenario Analysis
  • Sensitivity Analysis
  • Project Viability Models
  • Financial Projection Models
  • Dashboard Reporting
  • Decision Support Models
  • Executive Reporting

Practical Workshops

Build:

  • Loan appraisal models
  • Cash flow forecasts
  • Financial projections
  • Executive dashboards
Module 15: Investment and Capital Budgeting Analysis

Topics Covered

  • Time Value of Money
  • Net Present Value (NPV)
  • Internal Rate of Return (IRR)
  • Payback Period
  • Profitability Index
  • Capital Budgeting Techniques
  • Investment Risk Assessment
  • Project Ranking
  • Capital Allocation
  • Investment Decision Framework

Practical Workshops

Analyze:

  • Investment proposals
  • Capital budgeting decisions
  • Project viability
  • Investment comparisons
Module 16: AI and Digital Finance in Credit Analysis

Topics Covered

  • AI in Banking and Lending
  • Intelligent Credit Assessment
  • Predictive Risk Analytics
  • Financial Process Automation
  • Business Intelligence
  • AI-Assisted Financial Analysis
  • Dashboard Automation
  • Data Visualization
  • Responsible AI in Banking
  • Future of Digital Credit Analytics

Practical Workshops

Explore:

  • AI-assisted credit analysis
  • Automated financial reporting
  • Predictive lending insights
  • Digital finance workflows
Module 17: Industry Applications

Topics Covered

  • Manufacturing Sector
  • Infrastructure Projects
  • MSME Lending
  • Retail Businesses
  • Agriculture and Agri-Business
  • Healthcare Organizations
  • Technology Companies
  • Trading Businesses
  • Financial Services
  • Corporate Lending Practices

Practical Workshops

Review:

  • Industry-specific lending cases
  • Sector risk analysis
  • Working capital patterns
  • Financing structures
Module 18: Consulting Frameworks for Financial Analysis

Topics Covered

  • Financial Diagnostics
  • Credit Evaluation Framework
  • Root Cause Analysis
  • Business Performance Assessment
  • Recommendation Development
  • Executive Communication
  • Consulting Methodologies
  • Implementation Planning
  • Financial Advisory Best Practices
  • Strategic Decision Frameworks

Practical Workshops

Develop:

  • Credit appraisal frameworks
  • Executive recommendations
  • Financial advisory reports
  • Decision support presentations
Module 19: Banking Case Studies

Topics Covered

  • Working Capital Loan Appraisal
  • Term Loan Appraisal Cases
  • Credit Risk Assessment Cases
  • Project Finance Evaluation
  • CMA Data Analysis
  • Financial Statement Review
  • Loan Restructuring Cases
  • Portfolio Performance Review
  • Lending Decision Analysis
  • Integrated Banking Case Studies

Practical Workshops

Solve:

  • Commercial lending scenarios
  • Credit appraisal cases
  • Financial analysis exercises
  • Executive lending recommendations
Module 20: Capstone Project – Comprehensive Credit Appraisal and Working Capital Assessment

Comprehensive Project

Participants will:

  • Analyze a company's financial statements and business performance.
  • Perform ratio, cash flow, and fund flow analysis.
  • Evaluate working capital requirements and operating cycle efficiency.
  • Assess project feasibility and term loan requirements.
  • Analyze CMA data and determine eligible bank finance.
  • Calculate DSCR, break-even point, and repayment capacity.
  • Evaluate borrower profile, collateral, and credit risks.
  • Build loan appraisal models using Microsoft Excel.
  • Prepare a professional credit appraisal report with lending recommendations.
  • Present financing proposals and executive recommendations based on comprehensive financial analysis.

Join the Course Now!
  

Clients Testimonials

Hear what our learners say about myTectra!

"The Financial Analysis, Term Loan Appraisal, and Working Capital Management Training by myTectra gave me a structured approach to evaluating borrower profiles. The trainer explained financial statement analysis, credit assessment, and loan appraisal using practical lending scenarios that closely matched my day-to-day responsibilities."
Tanvi Pandey
Credit Risk Analyst
"Assessing loan proposals requires much more than reviewing financial statements, and this program highlighted that throughout the course. The sessions on working capital assessment, cash flow analysis, and credit evaluation were practical and easy to follow. I now approach client appraisals with greater confidence."
Vinusha Bhatia
Assistant Manager – Commercial Lending
"Every module was packed with relevant examples drawn from real banking situations. The discussions around term loan appraisal, financial ratios, and working capital financing helped me better understand the reasoning behind lending decisions. myTectra has delivered a program that's highly beneficial for banking professionals."
Haripriya Govind
Relationship Manager – SME Banking
"The biggest strength of this training was its practical approach. Instead of simply covering concepts, the instructor walked us through complete business cases that showed how financial analysis supports lending and credit decisions. The learning has already improved the quality of my financial evaluations and internal recommendations."
Sarath Chandran
Senior Finance 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 Your Financial Analysis and Credit Appraisal Skills

Master financial statement analysis, loan appraisal, cash flow analysis, and working capital management techniques.