Preloader

Office Address

4th Floor, Sri Vishnu Elite, Plot No:27, Jayabheri Enclave, Gachibowli, Hyderabad

Phone Number

+91 79972 79973

+91 79972-79974

Mon-Fri 9am - 6pm

Email Address

contact@eduzi.in

krishna.eduzi@outlook.com

Program

CREDIT ANALYST PROGRAM

Get ready to supercharge your career with the next cohort of our flagship Placement-Oriented “CREDIT ANALYST PROGRAM”.

This program helps working professionals to get into high paying “Credit Analyst/Risk Analyst/Rating Analyst/Research Analyst” jobs in reputed domestic and international Banks, Financial Institutions, NBFC’s, Credit Rating Agencies and MNC’s.

The program is offered in collaboration with leading top-level and highly qualified professionals from industry giants and MNC’s such as HSBC, Goldman Sachs, CRISIL, Citi Bank, Axis Bank and many more.

Name of the program “Credit Analyst Program”
Course Duration 6 months which includes - 3 months Online Live Classes + 3 months of placement track.
Mode Live Online
Program Highlights
  • Online Live Classes.
  • 100% Placement Assistance.
  • 1-1 Mentorship.
  • Capstone Project.
  • Financial Modelling Workshop.
  • Interview Prep.
  • Resume Builder.
  • LinkedIn profile Enhancement.
  • Certification.
  • Lifetime access to content.
  • Pay after placement

PREFERRED STUDENT PROFILES

Working Professionals (1-3 years) in Operations, Credit, Finance, Accounting, Sales, Marketing, etc.


Experienced Professionals (4-10 years) in Operations, Credit, Finance, Accounting, Sales, Marketing, etc.


Fresh graduates/Postgraduates in Finance, Commerce, Accounting (B. Com, BBA, MBA).

WHAT CAREER SUPPORT WILL I GET?

Upon successful completion of the three month online live training program, all the eligible candidates would be given assured placement support by Eduzi. We have partnered with a network of companies and consultants through which we identify hot jobs where active recruitments are happening and ensure that the successful candidates interview to such jobs. We handhold the candidate until he/she gets credit analyst role in a reputed domestic or international bank, NBFC, rating agency or a MNC within three months of the successful completion of the online classes.

PROGRAM CURRICULUM AND CLASS SCHEDULE


Week Session
1

Introduction to the “Credit Analyst Program”. 

  • End to End process flow.
  • Introduction to “Eduzi App”.
  • How to get best results from the program.
  • Resources available for the mentees.
2

Introduction to Credit

  • Understanding the role and importance of credit appraisal in corporate lending.
  • Key stakeholders involved in credit appraisal.
  • Overview of the credit appraisal process: Application, Documentation, Analysis, Decision-making, Sanction, Monitoring.
  • Types of risks in credit appraisal: Financial, Business, and Management risks.
  • Techniques for assessing credit risk: quantitative and qualitative methods.
  • Identifying and mitigating risks in credit appraisal: risk mitigation strategies and risk control measures.

Case Study – Cyberabad Foods Pvt Ltd.
3&4

Business Risk Profile Analysis of a Corporate

  • Industry Analysis
  • Understanding industry dynamics and trends, Assessing industry risk factors, Industry-specific financial ratios and benchmarks, Industry analysis frameworks and tools.
  • Market Position
  • Basics/Concepts - Market Share, Competitive Advantage, Concertation Risks, Customer Base, Sales and Revenue Trends, Pricing Strategy, Market Outlook.
  • Operating Efficiency
  • Basics/Concepts - Key cost drivers, Price volatility of key raw materials/inputs, Level of integration., Capacity utilisation and flexibility, Technology ,Working capital management and Brand equity.
  • Project Risk
  • Project Implementation Risks, Time and Cost Overruns.
  • Case Study 1 – Apple Inc.
  • Case Study 2 – Megha Engineering & Infrastructures Limited.
  • Case Study 3 – Thai Union Group Plc.
  • Case Study 4– Hygro Chemicals Pharmtek Pvt Ltd
5&6

Learning Financial Statements

  • Basics- P&L, Balance sheet, Cash flow and Ratio Analysis.
  • Advanced - P&L, Balance sheet, Cash flow and Ratio Analysis.

Financial Modelling and Risk Profile

  • Past Financials, Current Financials, and projecting for the future.
  • Financial Modelling.
  • Accounting Quality.
  • Cash Flows and Financial Flexibility.

Case Study : Kapston Facility Management Services Ltd.

6

Management Risk Profile

  • Competency, Integrity and Risk Appetite

Case Study : Joyalukkas India Ltd.
7

Collateral Evaluation

  • Role of collateral in credit appraisal: securing the loan and reducing credit risk.
  • Types of collateral and their valuation methods: Real Estate, Inventory, Book Debts, Equipment.
  • Legal and regulatory aspects of collateral: perfection of security interest, collateral documentation.
  • Evaluating collateral adequacy and quality: loan-to-value ratio, collateral coverage ratio.
  • Setting credit limits and terms: determining appropriate credit limits and loan terms.
  • Credit scoring models and credit rating agencies: understanding their role in credit assessment.
  • Making informed credit decisions: weighing the risks and benefits, considering loan structure options.

Case Study: Suvarna Durga Bottles Pvt Ltd. 

7

Loan Structuring and Documentation

  • Loan structuring principles and strategies: matching the loan structure to the borrower's needs and risk profile.
  • Loan covenants and conditions: types of covenants and their monitoring requirements.
  • Loan documentation requirements: preparing loan agreements, security documents, and other legal documents.
  • Legal and regulatory aspects of loan documentation: ensuring compliance with applicable laws and regulations.

Case Study: Gubba Cold Storage Pvt Ltd.

7

Credit Monitoring and Control

  • Importance of credit monitoring and control: tracking borrower performance and managing credit risk.
  • Early warning signals and problem loan identification: recognizing signs of deteriorating credit quality.
  • Remedial measures and credit risk mitigation: strategies for addressing problem loans and managing default risk.

Case Study: Supreme Batteries Private Limited.
8

Detailed Credit Appraisal Process – Appraisal Note Preparation.

 

Case Study 1 : Bhagiradha Chemicals Ltd.

Case Study 2 : – Sigachi Industries Limited.
9

Credit Ratings  

Case Study: – Avanthi Feeds Ltd.

Case Study: – Aster DM Healthcare Ltd.
9

Research Tools –

  • Probe42, CRILC, Bloomberg Terminal, S&P Capital IQ Pro, Restricted Lists, Wilful Defaulters List, CRISIL Research.
10
  • Resume + LinkedIn Building Session
  • Interview Basics + Skills
11&12
  • Mock – Interviews – Domestic Private Bank/International Bank/KPO/MNC.