For students and trainees · flagship simulation
The ₹100 Crore Credit Decision
Can you make a ₹100 crore lending decision — and live with it 12 months later?
Built for MBA, BBA and B.Com finance students, banking trainees and new credit officers. No banking experience needed. Learn how a bank decides a big loan, step by step, then make the decision yourself and see how it turns out a year later.
You are the credit officer at FinTreasury Bank, our virtual bank. A fictional auto-parts maker wants a large loan for a new plant. You decide, you defend it, and you come back when things go wrong. Professor Owl teaches each step first.
Your scorecardSample result
85 Ready for credit committee
Nine steps, two moments in time
The bank’s calculators work out every figure. You make the calls.
Today: the proposal
- Analyse — spot the warning sign in the company’s numbers.
- How much to lend — is the full amount safe, or is there a safer one?
- Price it — set the rate the risk deserves.
- Security and covenants — pick the terms that protect the bank.
- Credit committee — defend it to a committee that pushes back.
- Who signs — send it to the person allowed to approve it.
12 months later: trouble
- Read the signs — a year on, the warning signals are there. Do you see them?
- Classify it — which stage does the RBI’s rule put this loan in?
- Act — restructure, recover or wait? Each choice has a cost.
What you will be able to do
- Read a company’s accounts and spot the number that matters
- Decide how much to lend, and on what terms
- Stand in front of a credit committee and answer the hard question
- Send the decision to the person who is allowed to make it
- Notice trouble early, and choose the right way out of it
At the end you see where you are strong and where to practise: credit analysis, risk judgement, structuring, pricing and monitoring.
It is good preparation for bank interviews, credit and lending roles, and the credit papers in your course.
Who it is for
- MBA, BBA and B.Com finance students
- Banking aspirants
- Early-career credit officers and analysts
- Bank and NBFC trainee batches
Part of the Corporate Credit Decision Lab
A course for MBA, BBA and B.Com finance students, banking trainees and new credit officers that builds up to this decision, one step at a time.
- Working-capital assessment
- Term loans: can the cash repay them?
- Grading, monitoring and early warning
- Presenting to the credit committee
- Capstone: The ₹100 Crore Credit Decision
- NPA management and recovery
- A lending book: is the return worth the risk?
- Large exposures and limit breaches
Finish it for a Certificate of Completion that anyone can verify online. A TrezCap certificate shows work completed on the platform; it is not an academic award.
The course price is on the Pricing page. Free for now. For details, write to hello@trezcap.com.
The company, the bank and every person and figure in it are fictional. Training only; not financial advice.
Ready to see TrezCap in action?
Want to see what happens behind the screen? Request a demonstration and we’ll walk you through the full simulation environment.
Or write to us at hello@trezcap.com