Analyze & Manage Banking Credit Portfolios

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Analyze & Manage Banking Credit Portfolios

Name: Analyze & Manage Banking Credit Portfolios
Rating: 5 (15 reviews)

This course is part of Bank Credit Analysis & Portfolio Management Specialization

Instructor: EDUCBA

Included with

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4 modules

Gain insight into a topic and learn the fundamentals.

15 reviews

9 hours to complete

Flexible schedule

Learn at your own pace

4 modules

Gain insight into a topic and learn the fundamentals.

15 reviews

9 hours to complete

Flexible schedule

Learn at your own pace

What you'll learn

Analyze financial ratios and evaluate borrower credit risk.
Design loan policies and monitor credit facilities effectively.
Apply credit risk frameworks for portfolio and asset quality management.

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This course is part of the Bank Credit Analysis & Portfolio Management Specialization

When you enroll in this course, you'll also be enrolled in this Specialization.

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Gain a foundational understanding of a subject or tool
Develop job-relevant skills with hands-on projects
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There are 4 modules in this course

Develop the ability to analyze financial ratios, evaluate credit risk, design compliant loan policies, monitor credit facilities, and apply structured credit risk management frameworks in banking.

This course provides a comprehensive understanding of banking credit portfolio management—from borrower financial analysis and loan policy formulation to documentation controls, post-sanction monitoring, and portfolio-level risk evaluation. Learners will examine working capital assessment, stock statement monitoring, bills portfolio supervision, insurance verification, execution of credit documents, limitation management, and risk grading systems used in banks. By completing this course, learners will strengthen practical skills required for credit appraisal, regulatory compliance, risk identification, and asset quality management. The course uniquely integrates financial analysis, legal safeguards, operational monitoring, and portfolio risk strategy into one structured learning pathway aligned with real-world banking practices. Designed for banking professionals, credit officers, auditors, and finance learners, this course enables participants to make informed lending decisions, minimize credit losses, and manage institutional risk exposure with confidence.

This module introduces the foundational principles of financial ratio analysis and loan policy formulation in banking. It explains how banks evaluate borrower financial statements, assess creditworthiness, and frame structured loan policies aligned with RBI regulatory guidelines to ensure prudent and compliant lending practices.

What's included

6 videos4 assignments

6 videosTotal 52 minutes

Requirement of analysis of financial ratios9 minutes
Different types of financial ratios and the benefit thereof for assessment of bank finance5 minutes
loan policy and Components of loan policy in brief12 minutes
A typical loan policy of a bank8 minutes
Policy framing within overall guidelines of the RBI9 minutes
Continuation of Policy framing within overall guidelines of the RBI9 minutes

4 assignmentsTotal 60 minutes

Ratio Analysis for Bank Finance10 minutes
Loan Policy Basics10 minutes
RBI-Guided Policy Framing10 minutes
Credit Analysis & Policy Building30 minutes

This module focuses on post-sanction credit monitoring systems in banks, including operational oversight, stock statement review, bills portfolio supervision, insurance verification, inspection processes, and identification of early warning signals to mitigate credit risk.

What's included

9 videos4 assignments

9 videosTotal 88 minutes

Need of monitoring the credits9 minutes
Types of registers used for monitoring10 minutes
Monitoring of stock statements8 minutes
Monitoring of Bills portfolio12 minutes
Monitoring insurance of the security12 minutes
Monitoring of operations5 minutes
Inspection related issues11 minutes
Deficiencies observed at the monitoring stage11 minutes
Borrowers profile for Credit Monitoring11 minutes

4 assignmentsTotal 60 minutes

RBI-Guided Policy Framing10 minutes
Monitoring Key Credit Inputs10 minutes
Security, Operations & Field Checks10 minutes
Credit Monitoring in Action30 minutes

This module covers the legal and procedural aspects of loan documentation, including execution of credit documents, stamping requirements, authorization verification, special borrower considerations, limitation management, and safeguarding enforceability of bank claims.

What's included

5 videos3 assignments

5 videosTotal 41 minutes

Important points to be rembered while execution of documents9 minutes
Type of documents used for executions11 minutes
Procedure for documentation6 minutes
Rules relating to stamping of documents4 minutes
Cares needed for execution of documents by special kind of borrowers11 minutes

3 assignmentsTotal 50 minutes

Document Execution Essentials10 minutes
Documentation Procedure & Legal Compliance10 minutes
Documentation & Execution Controls30 minutes

This module explores credit risk evaluation, measurement methodologies, risk grading systems, portfolio diversification strategies, internal control mechanisms, and structured credit risk management frameworks adopted by banks to maintain asset quality and regulatory compliance.

What's included

4 videos3 assignments

4 videosTotal 27 minutes

Extension of limitation period4 minutes
Credit Risk Management & Evaluation and Measurement5 minutes
Continuation of Credit Risk Management & Evaluation and measurement9 minutes
Credit Risk Management mechanism in banks9 minutes

3 assignmentsTotal 50 minutes

Limitation, Risk Evaluation & Measurement10 minutes
Institutional Risk Management Mechanism10 minutes
Risk Evaluation & Portfolio Risk Management30 minutes

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Instructor

EDUCBA

1,657 Courses337,648 learners

Offered by

EDUCBA

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Reviewed on Jun 21, 2026

I never knew how much thought went into formulating a bank's loan policy. Learning about the regulatory requirements and risk exposure norms gave me a whole new respect for the compliance team

Reviewed on May 13, 2026

As someone moving into internal audit, the modules on documentation controls and compliance were incredibly helpful. It teaches you exactly where the red flags usually hide in a credit portfolio.

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Frequently asked questions

To access the course materials, assignments and to earn a Certificate, you will need to purchase the Certificate experience when you enroll in a course. You can try a Free Trial instead, or apply for Financial Aid. The course may offer 'Full Course, No Certificate' instead. This option lets you see all course materials, submit required assessments, and get a final grade. This also means that you will not be able to purchase a Certificate experience.

When you enroll in the course, you get access to all of the courses in the Specialization, and you earn a certificate when you complete the work. Your electronic Certificate will be added to your Accomplishments page - from there, you can print your Certificate or add it to your LinkedIn profile.

Yes. In select learning programs, you can apply for financial aid or a scholarship if you can’t afford the enrollment fee. If fin aid or scholarship is available for your learning program selection, you’ll find a link to apply on the description page.