Commercial Credit & SME Lending Specialist
Master working capital assessment, CMA data preparation, ratio analysis, and credit sanction appraisal.
Transparent Fee Structure & Taxation
| Component | Amount (INR) | Applicability & Notes |
|---|---|---|
| 1. Base Program Tuition | ₹5,499 | Live practical training, LMS access, project reviews, and job interviews |
| 2. Screening Assessment & Capstone Fee | ₹999 | Proctored examination, score card, and interview evaluation |
| 3. Statutory GST (18%) | ₹1,170 | Government indirect tax with standard GST invoice issued |
| Total Payable Upfront | ₹7,668 | Paid via verified Razorpay portal after applying for assessment |
Curriculum Syllabus (5 Modules)
15 Total LessonsModule 1: Financial Statement Spreading & CMA Formulation
3 LessonsDeconstructing audited Balance Sheets, Profit & Loss accounts, and Fund Flow statements into standardized CMA formats.
- 1Balance Sheet Analysis & Adjusted Tangible Net Worth (ATNW)Preview40 min
- 2P&L Spreading, Operating Margins & EBITDA Reconciliation45 min
- 3Preparing 5-Year Comparative CMA Projections50 min
Module 2: Working Capital Assessment (Fund & Non-Fund Based)
3 LessonsCash credit limits, turnover method (Nayak Committee), MPBF (Tandon Committee), and LC/BG structuring.
- 1Operating Cycle & Cash Conversion Days Computation42 min
- 2Maximum Permissible Bank Finance (MPBF) Calculation Matrix48 min
- 3Structuring Letters of Credit (LC) & Bank Guarantees (BG)38 min
Module 3: Term Loan Appraisal & Project Finance
3 LessonsDebt-Service Coverage Ratio (DSCR), Internal Rate of Return (IRR), sensitivity analysis, and security valuation.
- 1Calculating Gross & Net DSCR with Amortization Schedules46 min
- 2Project Cost Assessment, Margin Money & Financial Closure44 min
- 3Collateral Valuation, Hypothecation & ROC Charge Creation (Form CHG-1)40 min
Module 4: Non-Financial Risk & Governance Appraisal
3 LessonsPromoter background checks, MCA master data scrutiny, CIBIL commercial reports, and industry benchmark comparison.
- 1Deciphering CIBIL Commercial & TransUnion CIR Reports38 min
- 2MCA Director Disqualifications, Related Party Scrutiny & Litigations42 min
- 3Conducting Unit Inspection & Stock Audit Verification35 min
Module 5: Credit Memo Drafting & Sanction Committee Defense
3 LessonsSynthesizing the Credit Appraisal Note (CAN), risk mitigants, covenants, and presenting to sanction committees.
- 1Writing the Executive Credit Proposal & SWOT Matrix50 min
- 2Designing Pre-Sanction & Post-Disbursement Protective Covenants38 min
- 3Capstone Defense: Defending a ₹15 Crore SME Loan Proposal75 min
Assessment & Certification Roadmap:
Submit profile, academic qualification, and choose examination slot.
Pay ₹999 exam fee via official Razorpay link and complete test.
Complete hands-on case studies, live mentor sessions, and capstone project.
Get verified credentials, resume audit, and interview deployment.