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An Analytical Perspective on Credit Appraisal and Credit Management

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Duration: 2 days
Timings: 10 AM – 1:15 PM
Dates: February 13-16, 2024
Programme Director: Prof. Vandana Gupta
Mode: Online
Fees: Online: Rs. 8,000+ GST@18%

Programme Introduction:

Credit risk is one of the most rapidly developing areas in finance. The increasing emphasis on credit risk management has been driven by advances in portfolio management and risk management techniques, growth in credit derivatives, the adoption of Basel Capital Accord and regulatory concerns emanating from various corporate scams and the US global meltdown. Against this backdrop, the focus of the program is in highlighting the key parameters considered while evaluating a loan proposal by banks in their credit appraisal process; the process and methodologies adopted by the rating agencies in assigning ratings and to equip the participants to developing credit risk models for default prediction.

Programme Objective:

  • Learn analysis of corporate lending by banks and financial institutions for credit appraisal and credit evaluation.
  • Understand the implications of Basel Accord on credit risk management
  • Develop a comprehensive understanding of financial as well as the non-financial evaluation of the credit appraisal process undertaken by rating agencies.
  • To develop an understanding of credit risk models used for measuring credit risk: accounting-based and market –based.
  • Understanding the Insolvency and Bankruptcy Code in India in the context of credit risk.

Programme Content:

  • Understand the 5 Cs of corporate lending for credit appraisal and credit evaluation
  • Understand the Basel Accord with the concept of Loss Given Default (LGD), Probability of Default (PD) and Exposure at Default (EAD) and its practical illustration.
  • Understand the risk matrix with business risks and financial risks
  • An understanding of the basic tools and techniques used by rating agencies in India
  • Discuss Insolvency and Bankruptcy Code in India and the companies included under IBC
  • Develop accounting-based credit –risk models using discriminant analysis, logit model
  • Develop market-based credit risk models

Programme Methodology:

Mixed pedagogy will be used to train the participants on credit assessment in interactive mode and will include presentations on the basic concepts, case studies, excel-based application and credit risk modelling using SPSS.

Target Organizations:

Banks, Financial Services Firms, Consulting Firms, Credit Research Firms

Target Participants:

Credit Officers/ Relationship Managers from banks and financial institutions, middle and senior level executives of companies in finance area, research analysts, and executives, insolvency professionals.

Programme Director:

Prof. Vandana Gupta PGDM-IIM Ahmedabad, PhD Finance
Prof. Vandana Gupta is a Professor of Finance at FORE School of Management, Delhi India. Her experience spans for 28 years which includes Academics and Industry. She has worked with some leading corporates as Bennett Coleman & Company, Infosys, ICRA (India’s leading Credit Rating Agency) and Religare Securities Limited (equity research). Her teaching areas are Financial Reporting and Analysis, Corporate Finance, Credit Risk, Project Appraisal and Financing and Business Valuations. Her PhD has been in credit risk and her research works are broadly focused on credit risk and bankruptcy prediction. She has to her credit several research papers in national and international journals and has presented her research in national & international conferences.

Corporate Group Discount:

One complimentary nomination for every group of three nominations from the same organization, i.e., 3+1 participants for the fee of 3 participants.

For registration/enquiries , please mail to exed@fsm.ac.in or call at/+ 91 9166085159/+91 9810875278/+91-11-46485562 /41242477

Executive Education/MDPs

FORE School of Management has been designing, developing and conducting innovative Executive Education (EE)/ Management Development Programmes (MDPs) for working executives in India for over three decades.