Book on credit appraisal

Credit department is the most challenging department in banks to work in. The work involves highly conceptual and technical knowledge, good grasp of nuances of finance and balance sheet analysis, a keen eye for spotting anomalies and a quick mind. However, as most credit officers would agree, there are no good material and references for learning credit appraisal. The internal manuals banks provide to employees just provide the guidelines and do not discuss concepts from basics. This book The book “Balance sheet analysis and credit appraisal for bankers” is one of the few books devoted exclusively to credit officers covering CMA data analysis. It is an ideal resource for Credit officers working in banks, Financial analysts, Chartered Accountants who prepare CMA data for their clients. Learn about every item that appears in Profit and Loss Account such as sales, raw material, power, labour, manufacturing expenses, depreciation, work-in-progress, selling expenses, interest expense, non-operating expenses, provision for taxation Learn about every item that appears in Balance sheet such as capital, term liabilities, unsecured loans, share application money, deferred tax liability, current liabilities, current assets, fixed assets, non-current assets, intangible assets Learn about key credit concepts such as project cost, means of finance, term loan eligibility, DSCR, sensitivity analysis, asset coverage ratio, break-even analysis, internal rate of return, term loan disbursement, term loan monitoring, working capital assessment, NWC, current ratio, holding levels, excess drawals, adhoc limit, drawing power, diversion of funds,non-fund limits, ratio analysis It’s coverage is comprehensive with 750+ pages packed with information you need to excel in your role as credit officer. Read the sample pages and get started!

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