Complete Working capital credit Manager/Underwriter course
159 videos • 183,815 views • by CA Ankush Jain
1
Lecture 1: What is working capital? Why working capital is required in business (Part-1)
CA Ankush Jain
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2
Lecture 2: What is working capital and Why working capital is required (Part-2)
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3
Lecture 3: How to apply for loan? Where to go first for taking loan?
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4
Lecture 4: Organization structure of Private Banks (Different profiles and positions in bank) Part-1
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5
Lecture 5: Organization structure of Bank (RCU/RIC i.e. Risk intelligence department in bank) Part-2
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6
Lecture 6: What are documents required for loan application of working capital loan by business unit
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7
Lecture 7: Understanding the basics in credit/Loan Manager/Risk/Credit analyst profile (Part-1)
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8
Lecture 8: Understanding the basics in credit/loan Manager/Risk/Credit Analyst profile (Part-2)
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9
Lecture 9: What are different types of properties/securities mortgaged/accepted by banks for loans
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10
Lecture 10: What is the amount of loan given on the property value by banks (Loan to value ratio)
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11
Lecture 11: How to do identification of the property and what is fair market value of the property.
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12
Lecture 12: What is title search report and How the legal clearance of property is done in banks
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13
Lecture 13: Difference between equitable and registered mortgage of property.
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14
Lecture 14: Difference between fixed and floating charge, What is charge over current assets
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15
Lecture 15: Different Land records, Jamabandi, Fard, Khasra no and history of land and other terms
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16
Lecture 16: Understanding the basics of Balance sheet and new way to look at/analyze balance sheet.
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17
Lecture 17: What is Current ratio and ways to improve the current ratio, Practical understanding
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18
Lecture 18: Analysis of Profit & loss accnt, its relation to Balance sheet & working capital finance
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19
Lecture 19: What is operating cycle, how it is calculated and is it same in all kind of businesses?
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20
Lecture 20: What is Working capital Gap and Net working capital and what is relation between both.
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21
Lecture 21: What is Promoters margin in business and what is new concept of operating balance sheet.
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22
Lecture 22: MPBF norms of tandon committee covering both method 1 and Method 2
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23
Lecture 23: MPBF norms turnover method as suggested by Naik committee
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24
Lecture 24: What is Drawing power in cash credit limit, its calculation, meaning & detailed analysis
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25
Lecture 25: Difference between Cash credit, Overdraft and Drop line overdraft facility.
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26
Lecture 26: What is working capital demand loan
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27
Lecture 27: Understanding export and import business (Part-1)
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28
Lecture 28: Understanding export and import procedure (Part 2)
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29
Lecture 29: Understanding export and import business (Part-3)
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30
Lecture 30: Understanding export and Import business (Part-4)
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31
Lecture 31: Export and import business (Part-5), Covering payment terms like DA/DP/Sight/Usance bill
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32
Lecture 32: What is Letter of credit (LC) for importers? Does it used for domestic buying as well?
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33
Lecture 33: Foreign bill negotiated (FBN) and letter of credit bill discounting (LCBD) facility.
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34
Lecture 34: Buyers credit facility with SBLC and Nirav Modi PNB Scam
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35
Lecture 35: GIFT city and Foreign currency demand loan
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36
Lecture 36: Arbitrage risk in buyer's credit and other risk in Inland letter of credit
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37
Lecture 37: Pre shipment export packing credit facility for exporters
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38
Lecture 38: Foreign bill purchase, negotiation and discounting as a method to post shipment finance.
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39
Lecture 39: Forward cover/Hedging/VAR & LER limit/Currency fluctuation Risk/Marked to market margin.
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40
Lecture 40: What is Foreign Currency term loan (FCTL).
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41
Lecture 41: What is Currency Swap
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42
Lecture 42: What is Interest rate SWAPs IRS- Financial derivative
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43
Lecture 43: What is LIBOR, MCLR, EBLR, Repo rate, BPLR, Base rate. All about benchmark lending rates
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44
Lecture 44: Bill of Entry (BOE), Import general Manifest (IGM) and complete import procedure.
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45
Lecture 45: What is Legal entity identifier no (LEI) with complete history, structure and working.
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46
Lecture 46: High seas sales and SWIFT code system in banking.
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47
Lecture 47: Machinery term loans (MTL), building term loans and working capital term loans (WCTL)
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48
Lecture 48: Bank guarantee including Financial, performance, Counter and Onerous clause guarantees.
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49
Lecture 49: Revolving, Non revolving, Fund, Non fund based, Main and sub limits in working capital.
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50
Lecture 50: How to prepare CMA data- Financial analysis- Profit and loss account punching in CMA.
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51
Lecture 51: How to prepare CMA data (Part-2)- Balance sheet Liability side- Financial analysis.
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52
Lecture 52: How to prepare CMA data- Balance sheet asset side punching- Part-3/ Financial analysis.
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53
Lecture 53: How to prepare CMA data- Part 4- Practice session of Profit and loss account punching.
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54
Lecture 54: How to Prepare CMA data//Part-5//Practice session of Balance sheet Punching.
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55
Lecture 55: How to do projections in CMA data- Part-1- Sales projections in CMA data/project report.
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56
How to Calculate financial eligibility of Letter of credit/ LC eligibility calculator
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57
Lecture 56: Learn how to do financial projections of Profit and loss account in CMA data.
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58
Lecture 57: What is Earning/Profit before interest, depreciation and tax (EBITDA/PBDIT concept).
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59
Eligibility Calculator- Pre-shipment and post shipment/Export finance (EPC/PCFC/FBD/FBN/FBP/PSCFC).
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60
Lecture 58: Understanding Gearing and Leverage ratios (Debt equity ratio)- Solvency ratio
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61
Lecture 59: Stock turnover, Debtor turnover and Creditor turnover ratios- Activity/Efficiency ratios
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62
Lecture 60: How to do CMA data Projections in Balance sheet side- Part-3 (In Hindi)
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63
Lecture 61: Debt service coverage ratio (DSCR) - formula, calculation & practical examples- In Hindi
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64
Lecture 62: How to make DSCR calculator in excel sheet and DSCR calculations with practical tips.
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65
Rent Vs EMI, What is the difference between Rent and EMI and what is impact of Lease/Rent on DSCR.
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66
Union Budget 2022-23 key highlights and Impact of union budget on various Industries.
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67
Lecture 63: Interest Coverage Ratio- Calculation, Formula, Analysis- (in Hindi)- Ratio Analysis
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68
Lecture 64: How to do Analysis of stock statements or Inventory statements for banks? (In Hindi)
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69
Lecture 65: Converting trail balance to Balance sheet- A problem for banker after 31 March 2022.
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70
Lecture 66: What is tax audit report, Form 3CA, 3CB and 3CD? What to check in audit report as banker
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71
Lecture 67 Analysis of Independent/Statutory Audit report. Difference in Tax audit and company audit
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72
Lecture 68: What are Internal and External dedupe checks in Banking (Explained in Hindi)
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73
Lecture 69: What is CRILC report/SMA check- Central repository of info on large credits (In Hindi).
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74
Lecture 70: History of Credit/CIBIL score and Credit bureaus, Difference in FICO and Vantage score.
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75
Lecture 71: What is CIBIL report, CIBIL score and How to analyse and read the CIBIL
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76
Lecture 72: What is Commercial CIBIL and CMR score, How to Analyze commercial CIBIL (In Hindi).
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77
Lecture 73: How to check and improve CIBIL score and What factors affect our CIBIL score? (In Hindi)
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78
Lecture 74: EPF Check, MCA check, Probe 42 and Google check (In Hindi)
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79
Lecture 75: How to do Bank statement analysis for bank's lending purpose (Part-1)
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80
Lecture 76: What is credit summation/Churning? How to calculate credit summation/churning in banking
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81
Lecture 77: What is debit summation. Reconciliation of credit & debit summation with stock statement
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82
Lecture 78: How to do analysis of EPC and PCFC bank statement in packing credit finance for exporter
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83
Lecture 79: Learn how to do analysis of Cash credit (CC) & Overdraft (OD) bank statement (In Hindi).
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84
Lecture 80: SMA and NPA reporting/classification & Out of order account provisions by RBI (In Hindi)
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85
Lecture 81: Perfios banking analysis by using Pivot tables in excel sheet (In Hindi)
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86
Lecture 82: Opening of Current account with other Banks- RBI Guidelines (In Hindi)
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87
Lecture 83: GST Returns types, due dates and workflow analysis with banking (In Hindi)- Part-9
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88
Lecture 84: Analysis of Dropline overdraft account & summary of banking analysis (Part-10)- In Hindi
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89
Lecture 85: What is Stock audit and how to Analyze Stock audit report (In Hindi)
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90
Lecture 86: ITR-V and Computation of Income- Analysis and Key check Points (In Hindi)
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91
Lecture 87: Cash Flow statement- Introduction, Understanding, Basis concept and Analysis (In Hindi)
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92
Lecture 88: Importance of Promoter's background, Experience and Market reference checks (In Hindi).
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93
Top Interview Questions for Banking Job in India- For Credit Manager/Credit analyst/Risk Managers
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94
Lecture 89: Gold and bullion market in world (Operational aspects) for Gold Metal loan (In Hindi)
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95
Lecture 90: Gold Metal loans- RBI Circulars
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96
Lecture 91: Gold Metal Loan step by step process in India for Jewelry manufacturers/exporters.
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97
Lecture 92: How to do Meeting and Personal discussion with the Borrower with Visit to his factory.
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98
Lecture 93: What Questions to be asked from borrower before giving loan?
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99
How to Start your Career in Banking sector in Credit profile for Both CA and Non-CA (In Hindi)
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100
What is Multiple Banking arrangement and Pari passu charge in Banking (In Hindi)
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101
Lecture 94: What is renewal of working capital credit facilities and how to assess renewal cases?
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102
How to do quick analysis of profit and loss account from banking point of view (In Hindi)
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103
Lecture 95: Takeover process of loans from other banks- Transfer of loans from one bank to another
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104
Lecture 96: What is CGTMSE Scheme for MSME's? How to take loan without security from banks?
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105
Assessment of Bank guarantees and Checking sample financial statement of contractors (Part-4)
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106
Project Funding and Date of commencement of commercial operations (DCCO)- RBI Norms
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107
Lecture 97: Proposal Note writing/Credit appraisal note- Key points to be covered (Part-1)
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108
Strategies for Managing Office Workload and Achieving work life Balance
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109
Lecture 98- Insider Tips to Create an Outstanding Credit Proposal Note for Loan Sanctioning
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110
How to Analyze Business's Performance with Fixed Assets Turnover Ratio
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111
GST Returns as a Surrogate Variant for Loans: A Comprehensive Guide to Eligibility Calculation
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112
Lecture 99: New CGTMSE Scheme 2023: Impact on Small Businesses | Key Updates
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113
Lecture 100: Mastering Supply Chain Finance: A Complete Guide to Inventory Funding/Dealer Finance
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114
Bank Guarantee Assessment: Eligibility Calculator, Strike Ratio, Mobilization advance & More
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115
Lecture 101: Standard Terms and Conditions for Cash Credit, Overdraft, and Dropline Overdraft
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116
Lecture 102: Key Conditions for Immovable Property as Collateral Security- Banking essentials
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117
Lecture 103: Key Conditions for Machinery, Building, and Working Capital term loan Financing
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118
Lecture 104: Bank Guarantee Loan Facility: Essential Conditions for Safeguarding the Bank's Interest
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119
Analyzing treatment of payment to family as internal accruals & their impact on current ratio & MPBF
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120
Crucial Insights: Minimum Promoter Margin in Pre-Shipment packing credit loan facility
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121
Lecture 105: Sales bill discounting facility- The complete guide (Supply chain Finance)
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122
Agri Infra Fund scheme details with Features and benefits- Boosting Agri Infrastructure in India.
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123
Lecture 106: Special credit conditions in Letter of credit, SBLC, Capex LC and Packing credit
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124
Lecture 107: EWS and RFA parameters of RBI (Early warning signals and Red flagged accounts)
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125
How to do analysis of Borrower's Debtors?
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126
Analysis and decision of working capital loan file basis only bank statement of the borrower.
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127
Creditors analysis/Suppliers analysis/Accounts payable analysis- Balance sheet analysis
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128
What is LCBD purchase? How it differs from LCBD Sale? Letter of credit bill discounting facility.
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129
Pledge Finance II Warehouse receipt finance II Commodity based finance- Part-1- Basic concept
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130
Warehouse receipt finance/Pledge finance/Commodity based finance: procedures- Final part-2
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131
Lecture 108: Common Banking charges and fee at the time of loan sanction- Loan disbursement process
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132
Lecture 109: What is Mortgage deed/Mortgage declaration- Loan disbursement process (Part-2)
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133
Lecture 110: Memorandum of entry/Memorandum of deposit of title deeds- Loan disbursement process
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134
Lecture 111- Deed of Hypothecation explained- Loan disbursement process- Part 4
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135
Lecture 112: Power of attorney/Indemnity Deed for takeover cases- Loan disbursement process (Part-5)
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136
Lecture 113: Guarantee Deed (Loan disb. process- Part 6)- Loan Guarantor की क्या होती है जिम्मेदारी?
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137
Lecture 114: Facility agreement of loan- Disbursement process of loan (Part-7)
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138
Lecture 115: What is loan sanction letter & why it is important- Loan disbursement process (Part-8)
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139
Section 43B(H) of income tax for timely payment to MSME units- Detailed study
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140
Section 43B(H)- Impact on MSME or SME sector, Who will have additional loan requirement and why?
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141
Packing credit to sub supplier of exporter- Advanced EXIM- Part 1
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142
Drawing power when creditor is greater than stock and margins are different
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143
What is Factoring? How is it different from Sales bill discounting? Supply chain finance
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144
Export Packing Credit liquidation and extension- Advanced EXIM (Part-2)
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145
Reverse Factoring facility- What is difference between Factoring and reverse factoring?
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146
Underwriting large ticket corporate loan proposals (Part-1)
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147
Key financial indicators in Large ticket loan analysis (Part-2)
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148
Export factoring, Import factoring and Payable financing- Supply chain finance products
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149
Identification of Frauds in balance sheet- Large ticket corporate loans underwriting (Part-3)
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150
Importance of cash flow statement- Large ticket corporate loan assessment (Part-4)
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151
Manipulation of books of accounts- Banking scams and loan frauds
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152
Large ticket corporate loan underwriting- Final touch (Part-5)
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153
Impact of prepaid expenses on the current Ratio.
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154
What are group firms or sister concerns? How to identify them? Part-1, Basic understanding
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155
Profitability Ratios- (Part 11)- Videos for Sales manager/Relationship Managers in the Banks
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156
Deferred tax assets and Deferred tax liabilities - Live Class by CA Ankush Jain
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157
Cash budget method of working capital finance
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158
Priority sector lending guidelines of RBI- video series for MSME help and support
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159
How to do debt classification in CMA report? Classification into long term and short term debt
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