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How to carry out Term Loan Appraisal as Banker

Take this course to gain practical experience of Term Loan Appraisal and Term Loan Assessment.

Instructed by CA N Raja Natarajan

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  • Term Loan Appraisal

Welcome to this course How to carry out Term Loan Appraisal as a Banker

In this course i am going to share my practical experience from Banking in carrying out Term Loan Appraisal and Term Loan Assessment. This skill is very much essential for any bankers working on credit, sourcing clients, etc.

In the first section, i will take you through, how you should look at Term Loan Proposals as a Banker - Term Loans are generally loans given for longer period mainly for meeting long term requirements of Business entities like Starting a new business, Expansion, Modernisation, Backward Integration, Forward Integration, etc.

However, appraisal of Term Loan involves lots of technical analysis and also has high level of risk because loan disbursement will happen immediately whereas repayments will happen over a period of long time. Hence, it is absolutely necessary to have thorough knowledge of all technical matters revolving around Long Term Projects and its corresponding Term Loan.

In the second section, i will  take you through what is Techno Economic Viability (TEV Study) comprising

Technical Feasibility

Economic Viability

Financial Viability

Commercial Viability

Managerial & Compliance aspects of Project.

Then in the third section, ill take you through how to arrive at Cost of Project and Means of Finance. In that ill explain you what all components will go into the cost of the project and what are the different sources that can be used for funding the project including Term Loan.

Finally in the 4th Section, ill take you through Production factors followed by technical analysis covering

DSCR Analysis

Break Even Analysis

Sensitivity Analysis

I am sure that these three sections will be sufficient for you to gain practical knowledge about Financial Analysis as a Banker.

This course is structured in self paced learning style. Use your headsets for effective listening.

See you inside the course.

  • Basic knowledge of Banking
  • Basic knowledge of Credit
  • Bankers
  • Bank Loan Consultants
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Section 1 : Introduction 1 Lectures 00:11:26

  • Lecture 1 :
  • Introduction to Term Loan Appraisal Preview
  • 00:11:26

Section 2 : Technical Economic Viability of Project 7 Lectures 00:21:22

  • Lecture 1 :
  • What is TEV Study?
  • 00:03:06
  • Lecture 2 :
  • Technical Viability of Project
  • 00:04:08
  • Lecture 3 :
  • Financial Viability of Project
  • 00:07:07
  • Lecture 4 :
  • Economic Viability of Project
  • 00:01:30
  • Lecture 5 :
  • Commercial Viability of Project
  • 00:00:52
  • Lecture 6 :
  • Managerial aspects of Project
  • 00:02:58
  • Lecture 7 :
  • Compliance aspects of Project
  • 00:01:41

Section 3 : Cost of Project and Means of Finance of Project 18 Lectures 01:08:28

  • Lecture 1 :
  • Cost of Project and Means of Finance under Term Loan Appraisal
  • 00:05:35
  • Lecture 2 :
  • Land Cost and related inputs under cost of Project - Term Loan Appraisal
  • 00:08:34
  • Lecture 3 :
  • Building Cost and related inputs under cost of Project -Term Loan Appraisal
  • 00:02:30
  • Lecture 4 :
  • Plant and Machinery Cost and related inputs under cost of Project -Term Loan App
  • 00:06:59
  • Lecture 5 :
  • Technical Know how and related inputs under cost of Project -Term Loan Appraisal
  • 00:01:50
  • Lecture 6 :
  • Preliminary Expenses and related inputs under cost of Project -Term Loan Apprais
  • 00:01:15
  • Lecture 7 :
  • Pre-operative Expenses and related inputs under cost of Project -Term Loan Appra
  • 00:01:53
  • Lecture 8 :
  • Provision for Contingencies and related inputs under cost of Project -Term Loan
  • 00:04:38
  • Lecture 9 :
  • Working Capital Margin and related inputs under cost of Project -Term Loan Appra
  • 00:05:49
  • Lecture 10 :
  • General aspects related to estimation of Cost of Project - Term Loan Appraisal
  • 00:05:01
  • Lecture 11 :
  • Introduction of Sources of Finance - Term Loan Appraisal
  • 00:01:38
  • Lecture 12 :
  • Share Capital as source of Finance - Term Loan Appraisal
  • 00:02:35
  • Lecture 13 :
  • Internal Accruals as source of Finance - Term Loan Appraisal
  • 00:04:23
  • Lecture 14 :
  • Subsidies as source of Finance - Term Loan Appraisal
  • 00:05:27
  • Lecture 15 :
  • Debenture as source of Finance - Term Loan Appraisal
  • 00:03:10
  • Lecture 16 :
  • Term Loan as source of Finance - Term Loan Appraisal
  • 00:03:00
  • Lecture 17 :
  • Unsecured Loans as source of Finance - Term Loan Appraisal
  • 00:02:20
  • Lecture 18 :
  • Project Implementation Schedule
  • 00:01:51

Section 4 : Production Factors of a Project 3 Lectures 00:07:37

  • Lecture 1 :
  • Production Factors - Term Loan Appraisal
  • 00:02:28
  • Lecture 2 :
  • Manufacturing Process - Term Loan Appraisal
  • 00:01:42
  • Lecture 3 :
  • Other Production Factors - Term Loan Appraisal
  • 00:03:27

Section 5 : Technical Analysis in Term Loan Appraisal 10 Lectures 01:23:43

  • Lecture 1 :
  • Analysis of DSCR (Gross Average & Net Average)
  • 00:15:01
  • Lecture 2 :
  • Analysis of DSCR 2 (Gross Average & Net Average)
  • 00:06:30
  • Lecture 3 :
  • Break Even Analysis in Term Loan Appraisal
  • 00:08:31
  • Lecture 4 :
  • Break Even Analysis Case 1 in Term Loan Appraisal
  • 00:08:33
  • Lecture 5 :
  • Break Even Analysis Case 2 in Term Loan Appraisal
  • 00:15:27
  • Lecture 6 :
  • Sensitivity Analysis in Term Loan Appraisal
  • 00:06:43
  • Lecture 7 :
  • Sensitivity Analysis Sales Drop Testing Case 1 in Term Loan Appraisal
  • 00:06:46
  • Lecture 8 :
  • Sensitivity Analysis Variable Cost Increase Testing Case 2 in Term Loan Appraisa
  • 00:03:03
  • Lecture 9 :
  • Sensitivity Analysis Material Cost Increase Testing Case 3 in Term Loan Appraisa
  • 00:02:12
  • Lecture 10 :
  • Sensitivity Analysis DSCR Testing Case 4 in Term Loan Appraisal
  • 00:10:57
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CA N Raja Natarajan,

I am a Chartered Accountant with tonnes of passion for teaching. I teach Financial Management & Strategic Financial Management for Chartered Accountancy, Cost and Management Accountancy and Company Secretary students in Ernakulam, India. I also hold Post Graduate Diploma in Business Administration in Finance from Symbiosis, Pune and Bachelors in Commerce, from Loyola College, Chennai. I worked in State Bank of India as Assistant Vice President - Credit for a period of four years after which i started my Chartered Accountancy Practice. During the stint in State Bank of India, I worked on credit proposals of Mid Corporate Units and gained good experience in Financial Analysis, Risk Assessment, Viability Study, Evaluating business models, Project Finance, Working Capital Management, etc. I conduct work shops for Entrepreneurs, Chartered Accountancy / Cost and Management Accountancy Students on the topics like Project Finance, Credit Risk Assessment, Entrepreneurship Development, Finance for Non Finance Executives, etc. I love teaching and i want fundamentals of accounting and finance to reach students and so i am here.
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