Bank Credit Analysis & Portfolio Management

EDUCBA via Coursera Specialization

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Master banking credit analysis, risk management, and NPA resolution with real-world frameworks. Build job-ready skills to evaluate loans, manage portfolios, and minimize credit risk in modern banking. This Specialization provides a comprehensive, practical approach to the entire banking credit lifecycle—from loan appraisal and financial analysis to portfolio monitoring and stressed asset recovery. Designed for aspiring and working professionals, it equips learners with the skills required to make confident, risk-aware lending decisions. You will learn how to analyze financial statements, assess working capital and term loan requirements, calculate key metrics such as DSCR and break-even points, and evaluate borrower creditworthiness. The program also covers portfolio-level risk management, regulatory compliance, early warning signals, and NPA prevention strategies. With a strong focus on real-world banking practices, learners will gain hands-on knowledge of credit monitoring systems, documentation controls, and recovery frameworks including restructuring, DRT, and settlement mechanisms. By the end of this Specialization, you will be able to independently evaluate credit proposals, manage banking portfolios, and handle credit risk and recovery processes with confidence—making you highly valuable in banking and financial services roles.

Syllabus

Course 1: Analyze Banking Credit & Loan Appraisal
Course 2: Analyze & Manage Banking Credit Portfolios
Course 3: Analyze & Evaluate Credit Risk, NPA & Recovery Frameworks

Courses

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Develop the ability to analyze financial ratios, evaluate credit risk, design compliant loan policies, monitor credit facilities, and apply structured credit risk management frameworks in banking. This course provides a comprehensive understanding of banking credit portfolio management—from borrower financial analysis and loan policy formulation to documentation controls, post-sanction monitoring, and portfolio-level risk evaluation. Learners will examine working capital assessment, stock statement monitoring, bills portfolio supervision, insurance verification, execution of credit documents, limitation management, and risk grading systems used in banks. By completing this course, learners will strengthen practical skills required for credit appraisal, regulatory compliance, risk identification, and asset quality management. The course uniquely integrates financial analysis, legal safeguards, operational monitoring, and portfolio risk strategy into one structured learning pathway aligned with real-world banking practices. Designed for banking professionals, credit officers, auditors, and finance learners, this course enables participants to make informed lending decisions, minimize credit losses, and manage institutional risk exposure with confidence.
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Develop the ability to analyze banking credit proposals, evaluate working capital requirements, assess term loan feasibility, and interpret financial statements for informed lending decisions. This course equips learners with practical skills to apply core lending principles, calculate DSCR and break-even points, assess MPBF and operating cycle methods, and evaluate non-fund based facilities such as bank guarantees and letters of credit. Learners will benefit by gaining structured credit appraisal expertise aligned with real-world banking practices. The course bridges theory and application by integrating financial ratio analysis, exposure norms, regulatory compliance, management assessment, and risk diversification strategies. Participants will build confidence in reviewing loan proposals, analyzing balance sheets, identifying contingent liabilities, and strengthening repayment risk evaluation. What makes this course unique is its end-to-end coverage of the banking credit lifecycle—from fundamental lending principles to advanced financial statement interpretation—combined with practical appraisal frameworks used in professional banking environments. By completion, learners will be able to make disciplined, risk-aware credit decisions grounded in sound financial analysis and regulatory compliance standards.
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Develop the ability to analyze secured lending structures, evaluate credit monitoring systems, interpret NPA classification norms, and assess recovery and restructuring frameworks in banking. This course provides a comprehensive understanding of credit portfolio management from charge creation to debt restructuring. Learners will explore legal modes of creating security interests, drawing power calculation, early warning signals, income recognition standards, asset classification norms, provisioning requirements, and regulatory guidelines on preventing NPA slippage. The course also examines recovery strategies including compromise settlements, Lok Adalat, DRT mechanisms, rehabilitation of sick units, and Corporate Debt Restructuring (CDR). What makes this course unique is its structured progression from preventive credit supervision to advanced recovery and restructuring strategies, aligned with regulatory prudential norms. By completing this course, learners will strengthen their expertise in banking risk management, regulatory compliance, and stressed asset resolution—essential competencies for professionals in banking, finance, and credit administration.