Introduction to Corporate Credit

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Syllabus

Section 1: Evolvement of Corporate Finance

Subsection 1- Inception of credit & its evolution – Development of Transaction Banking

Subsection 2- Surplus & Deficit sectors of the economy – Channelising resources from the Surplus to Deficit Sectors – Financial Intermediation

Subsection 3- Cardinal principles of credit.

Subsection 4- Five C’s

Section 2: Legal framework

Subsection 1- Legal framework concerning Corporate credit.

Subsection 2- Documentation of the Lender-borrower contractual relationship.

Subsection 3- Conflict resolution in international trade.

Section 3: KYC & Due Diligence- its relevance

Subsection 1-Trade Based Money Laundering

Subsection 2- FATCA

Subsection 3- CRS

Section 4: Financial Statement Analysis.

Subsection 1: Structure of P&L, Balance Sheet – Documentation of Performance and Financials of Business Entities

Subsection 2: Various Financial Ratios and their implications.

Subsection 3: Measurement of credit risk as modelled from Financial Ratios.

Subsection 4: Analysis of the Financial Statements – Extracting the meaning out of the organised numbers.

Subsection 5: Cash & funds flow – significance.

Subsection 6: Creative accounting

Section 5: Quantitative Credit- Analysis & Appraisal

Subsection 1: Appraisal & Assessment- quantification of credit needs & risk mitigation.

Subsection 2: Different products of credit (Revolving Credit, SBLC etc)

Subsection 3: Project Finance- funding of fixed assets.

Section 6: Banking beyond natural boundaries

Subsection 1: Theories & Concepts of Foreign Exchange

Subsection 2: Different products available ( LC, BG, etc.)

Subsection 3: Risk mitigation.

Subsection 4: International Law & Practices.

Section 7: Credit administration

Subsection 1: Execution of Documents - Formation of specific contracts & agreements: Borrower & Guarantor's legal obligations

Subsection 2: Disbursement of funds (Consortium, MBA, Sole banking)

Subsection 3: Monitoring of financial assets- protecting the economic value of the financial portfolio.

Subsection 4: Information needs & flow.

Section 8: Business failure & bailout

Subsection 1: Business failures

Subsection 2: Its impact on the economy/lenders

Subsection 3: Bailout-the process

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