Business Banking, SME/MSME Lending, Trade Finance & Forex
Lending to a business is a different discipline from lending to a person. A salary slip tells you most of what you need about an individual. A business tells you almost nothing until you can read its financial statements, understand its working capital cycle, and see where the cash actually goes. This course covers SME and MSME lending, trade finance and foreign exchange, which is where business banking gets genuinely interesting.
- Intermediate
- 6 modules
- Self-paced
- Certificate on completion
- Taught in English
Who this course is for
Bankers moving from retail into business or SME banking
Relationship managers handling business accounts who want the credit side properly
Finance professionals who deal with banks from the borrower's side and want to understand the lender's view
What you will learn
- How to read a business balance sheet and profit and loss statement the way a credit officer reads them
- What the working capital cycle is, and how to assess how much working capital a business genuinely needs
- The main business lending facilities: cash credit, overdraft, term loans and bill discounting
- How a letter of credit works, step by step, and what each party is actually promising
- What a bank guarantee is, the common types, and when a business needs one
- The basics of foreign exchange for trade: how exporters and importers are paid, and how currency risk is managed
Module by module.
Tap a module to see what it covers.
06
6 modules
Reading financial statements, the key ratios a credit officer looks at first, and what the numbers hide as well as what they show.
Learn on your schedule, on any screen.
Video lessons at your pace
Short lessons you can pause and pick up whenever you like.
A quiz after each section
A quick check at the end of every section shows what has stuck.
Progress saved for you
Start on your phone, carry on from your computer. Your place is kept.
Protected videos
Lessons stream only inside the learning portal, watermarked to your account.
Three ways to take this course.
The tiers differ in what is included, not in the core teaching.
Taking more than one course? Bundles save you up to 30 percent.
See bundlesFinish the course. Earn the certificate.
Students are certified upon successful completion of their courses. The certificate records the course you completed and the level it sits at.
BankShaala
Business Banking, SME/MSME Lending, Trade Finance & Forex
Intermediate
Questions about this course
Basic familiarity helps but is not assumed. The course teaches financial statement reading from a lender's point of view, which is a narrower and more practical skill than full accounting.
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Educational content, not financial advice. Regulations and product features change; verify current details with the institution or regulator.