Summary

Learning Outcomes 

• Enable credit officers to make better lending decisions
• Improve the efficacy of the credit assessment process
• Understand and apply Crisil's credit risk evaluation framework
• Develop skills in credit risk analysis and rating
  

Target Audience:

Credit officers with banks and NBFCs Audit and risk management teams. Credit analysts with Investment managers 

Course Content

Day 1

Session 1

Theoretical Construct of Credit Ratings 

• Understanding credit risk and its criticality to lenders 
• Credit risk components, credit risk for on- and off-balance sheet items
  

Session 2

Building Block 1 : Business Risk Analysis 

• Business risk evaluation – going beyond numbers and looking for sustainability
• Importance of macro factors and industry risk  

Session 3

Case Study : Business Risk Analysis 
 

• Understanding and Applying learnings from previous session
• Market Position Assessment and assigning component ratings 
  

Session 4 

Project Risk Analysis

• Greenfield vs Brownfield projects
• Related or unrelated projects / Technology Risks 
  

Session 6

Factoring in Parent / Group support

• Commonality of Name / Business / Shareholding
• Related or unrelated projects / Technology Risks 
  

Day 2

Session 7

Building Block 3 : Financial Risk Analysis

• Key ratios for assessing credit risk and financial adjustments required
• Peer comparison and industry benchmarks 

Session 8

Financial projections – the Crisil approach  

• Revenue projections – Forecasting volumes, pricing, market share
• Assessing pricing flexibility of a company 
  

Session 9 (Post-lunch session)

Jumbo Case Study : Discussion in Groups and final presentation (4 hours) 

• Participants will be given time to go through the case study and prepare their own notes
• Groups will be given time to discuss and arrive at their assessment of business risk, management risk and financial risk (along with supporting factors)
• Groups will be given time to make a presentation to the larger audience 
  

Trainer Profile.

Trainer is a senior banker with more than 25 years of experience with the public & private sector banks in India. He started his career with State Bank of India the largest public sector bank in India & has worked extensively in Credit Assessment for Small and Medium Enterprises (SME), Mid Corporates & Large corporates. At SBIs Tokyo Branch he was responsible for Trade Finance and Treasury Back-Office for both money market and forex dealing room. While with ICICI Bank he has worked extensively in Foreign Exchange and Trade Finance, Corporate & Commercial Banking, Retail Banking, Debt Collection, & Fraud Risk. Both at SBI and ICICI he gained deep experience in AML/CFT and put in place the due diligence mechanism to ensure regulatory compliance. During his banking career he was also member of the Corporate Debt Restructuring Empowered Group and worked on several high value debt restructuring proposals across industry sectors. This role also included driving and checking the forensic audit pro-cess from AML/CFT angle.

 

Training dates - February 27-28, 2026

Training fee - ₹38,000 + applicable taxes