BMBFM03 Financial and Credit Risk Analysis 3rd Semester AKTU MBA Notes

Unit 1 [Book]
Financial Credit, Meaning and Objectives VIEW
Credit Risk, Credit Analysis, Seven C’s VIEW
Credit Analysis Process, Credit Process, Documentation VIEW
Loan Pricing and Profitability Analysis, Regulations VIEW
Types of Credit Facilities VIEW
Various Types of Credit Facilities:
Cash Credit VIEW
Overdrafts VIEW
Demand Loan VIEW
Bill Finance, Drawee Bill Scheme, Bill Discounting VIEW
Cash Delivery: Types of Facilities, Modes of Delivery VIEW
Unit 2 [Book]
Sole Banking Arrangement VIEW
Multiple Banking Arrangement VIEW
Consortium Lending VIEW
Syndication VIEW
Credit Thrust VIEW
Credit Priorities VIEW
Credit Acquisitions VIEW
Statutory and Regulatory restrictions on Advances VIEW
Credit Appraisal: Validation of Proposal, Dimensions of Credit Appraisals, Structuring of Loan Documents VIEW
Credit Risk, Credit Risk Rating, Credit Worthiness of Borrower VIEW
Purpose of Loan, Source of Repayment, Cash Flow, Collateral VIEW
Unit 3 [Book]
Quasi Credit Facilities VIEW
Advantages of Non-Fund Facilities, Various types of NFB Facilities VIEW
Various types Letter of Credits, Assessment of LC limits VIEW
Bills Purchase/ Discounting under LC VIEW
Loan Commitments VIEW
Un-funded Lines of Credit and their Characteristics VIEW
Various Types of Bank Guarantees:
Performance Guarantee VIEW
Financial Guarantees VIEW
Deferred Payment Guarantees VIEW
Types of Performance and Financial Guarantees VIEW
Assessment of Bank Guarantees Limit VIEW
Period of Claim under Guarantee VIEW
Unit 4 [Book]
Risk and Uncertainty, Risk Types VIEW
Financial Sector Risk VIEW
Operational Risk Management: Recruitment and Training VIEW
Work flow Design VIEW
Work Flow Documentation VIEW
Delegation of Authority VIEW
Independent Internal Audit VIEW
Independent Compliance Function VIEW
Independent Risk Management Function VIEW
System Audit VIEW
Corporate Governance VIEW
Whistle Blower Policy VIEW
Risk Management Culture VIEW
Unit 5 [Book]  
Importance of Credit analysis, Stages of Credit Analysis VIEW
Profitability Analysis and Pricing of Loans VIEW
Credit Risk analysis (Debt Ratios and Risk of Leverage) VIEW
Analysis of Working Capital VIEW
Analysis of Liquidity VIEW
Operating and Cash cycle Risk VIEW
Credit Rating, Measurement of Risk, Objective of Rating VIEW
Model Credit Rating, Methodology of Rating VIEW
Internal and External Credit VIEW
Model Rating Formats VIEW

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