Project on Credit Appraisal Kotak Mahindra Bank by snz17084

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Credit Appraisal
and its role in Working Capital Finance

 Chennai: November 15-17, 2010

This computer-based workshop includes a hands-on credit
a ppraisa l e xercise that is intended to walk the pa rticipants
through a financial appraisal case study.



                  “A very interactive discussion and example-based
                  training: Imparting total product knowledge in simple
                  terms without too much emphasis on formulas”
                  - Senior Manager (Treasury), Tata Motors




The objective of this training is to help the participants
    Learn in depth about the working capital cycle and the determinants of working
    capital finance
    Understand the credit appraisal process for working capital finance
    Build knowledge of how to deal with window dressing in financial statements and
    learn about the various possible pitfalls in the credit appraisal process
    Master the technique of setting working capital limits through a hands-on computer-
    based exercise

This programme will benefit
    Credit officers from banks (Senior Managers to Chief Managers and AGMs of Public
    sector banks)
    Officers from NBFCs lending to SMEs

Level: Intermediate-to-Advanced

Organisations which have nominated in the past

>   Corporation Bank                >   Kotak Mahindra Bank
>   Indian Bank                     >   Reliance Capital
>   Tata Capital                    >   The Shamrao Vithal Co-op Bank Ltd
>   The Federal Bank                >   The Lakshmi Vilas Bank Ltd
Course Structure

1. Introduction
        Entry Test to participants – knowledge mapping with the course discussions/
        contents
        Meaning of Finance and Working Capital
        Working Capital Concepts
        Sources of Working Capital Finance
        Financing Mix Approaches - Hedging, Conservative, Aggressive and Trade-Off
        Approaches
        Meaning of Operating and working capital cycle
        Factors affecting working capital cycle
        Meaning and objectives of working capital management
        Processes involved in working capital finance

2. Determinants of working capital
       Major determinants of Working Capital
       CMA directions
       Small exercise on how adjustments to financial statements are done in CMA
       Understanding of NWC Concept (balance sheet equation) – specific macro based
       excel (3 interlinked worksheets) to arrive at NWC and working capital need
       would given to participants
       Issues with over trading
       What to look for in a credit decision process? (40 practical tips)
       Drawing cues from the Upanishad
       10 hidden business risks -Validations
       Aspects of common window dressing and picking up warning signals
       Criticism against cash credit system
       Deficiencies in cash credit system
       Discussion on “Hard Core asset’ funding
       Reasons for existence of gap between limits and utilization – examples
       Supply chain financing
       Relevance of Basel II norms in working capital finance
       Case studies on the above concepts

3. Pitfalls, Integrity checks and intelligent traps
        120 identified areas of pitfalls in the credit appraisal process – with examples for
        each one of them

4. Case Study: on Cash Flow importance (Through common size analysis)

5. Role Play: A Case on Apparel sector would be discussed and presentation by
participants in groups

6. Drawing Power and Margin – discussion and existence of fallacy

7. Sanity checks and opportunity assessment – A case study

8. Case Study: Stock verification – Insurance loss

9. On-Screen rapid fire questions on credit
10. Case Study: CMA exercise – Computer-based financial package for project finance
and working capital (12 elaborate interlinked worksheets) and presentation by
participants in groups

11. How NOT to make Credit Appraisal Memorandum- Learning through Negation

Faculty

The trainer is an experienced banker with over two decades of rich banking experience.

Details of the programme

Chennai

Venue: The Residency Towers, Sir Thiyagaraya Road, T.Nagar, Chennai - 600 017
Date:     November 15-17, 2010
Timings: 09:30 am to 05:00 pm
Fees:    *Rs. 25,000/- (plus applicable service tax)
The fees are for a non-residential training and include tuition fees, lunch & refreshments
for the duration of the training.

C a n c e l l a t i o n P o l i c y : CRISIL reserves the right to retain 25% of the fees, for any
cancellations less than 24 hours before the training programme or non-attendance. CRISIL
reserves the right to accept or reject nominations at its sole discretion.

To register for the programme, contact

Latika Sharma/ Shobha Nayak
On 022-3342 3127 / 3342 3199/ 9867555312
Email: lsharma@crisil.com / snayak@crisil.com

								
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