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Day: September 23, 2021

Financial Modelling Techniques

Posted on by Imarticus Learning

Financial Modelling Techniques

Financial Modelling is a process by which a business generates cost-effective ideas and risk management techniques to manage the financial capabilities of a company better. It is used widely for preparing company budgeting strategy, capital structure, and during mergers and acquisitions.

Financial models are a representation of the performance of the various financial assets of any company which is in line with the economic situation in the real world. Financial Modelling includes the valuation of the company, growth forecasts, and performance forecasts of a company’s existing financial assets and spreadsheet models.

It is a representation of a company’s financial position to facilitate the effective managerial decision-making process. Financial Modelling is a complex task and requires highly skilled personnel. Therefore, financial modelling courses have become very popular.

credit risk analyst coursesFinancial Modelling Techniques

Financial Models uses Excel modeling as a way to represent a company’s past, current, and future financials.

Therefore, to be able to employ these techniques, one needs to have in-depth knowledge of Excel.

Financial Modelling techniques are an essential decision-making tool, which is widely used in the corporate world.

Let us have a look at a few of the most commonly used Financial Modelling Techniques.
Historical Data – Historical data analysis uses a forward-looking process to determine future trends effectively. This implementation of this modeling technique requires the following specific steps.

Step 1 – Determine the objective of Modelling.
Step 2 – Collect data from credible sources. The credibility of citations is significant to assure that the results reflect the real picture.
Step 3 – Perform data analysis using various statistical tools and techniques.

Assumptions – Assumptions require sense-making of the statistical analysis performed on the historical data. The statistical analysis breaks down the data into numbers. These numbers form the basis of assumptions as while forecasting and planning the financial strategy, and a company needs to be realistic in its outlook of the future.

While making assumptions, a financial manager tries to fuse the internal and external information scientifically. One might mistake assumption as guesswork, but the process is always well planned and strategic as these assumptions are the key driver of the financial performance of an organization.

Colour Coding – It is a necessary form of representation used in financial Modelling to make sure that the users of the information can understand that different values belong to other parameters. Colour coding of the cell is a widely used feature of Excel, which makes helps to indicate whether the performance of a particular parameter meets the expectation or not.

Financial Models

A financial model is a tool that helps in the decision-making of a firm. Let us look at some standard Financial models.

Three Statement Model
It uses three primary financial statements
1. Income Statement – To ascertain Profit levels of a company.
2. Balance Sheet – To ascertain the asset health, equity standing, etc. of a company.
3. Cash-Flow Statement – To see the company’s cash balance and short-term liquidity.

Ratio Analysis
This model helps to determine the current standing of a company concerning individual other companies. A financial manager prepares specific ratios like PE Multiple, PB ratios, and so on to compare financial performances.

Discounted Cash Flow Model
This model is used predominantly by investors to predict the future cash flows of companies to make an investment decision. Stock market traders also use it before they purchase shares of a company.

In today’s scenario, as managing the finances of a company is becoming increasingly complex and sophisticated, especially with the advent of automation and technological dynamism, Financial Modelling helps to make rational investment decisions.

Financial Modelling Courses, therefore, try to provide holistic knowledge to aspirants of modeling techniques that can catapult them in a high career growth trajectory.

7 Reasons Why a Distance MBA is Better than a Regular MBA

Posted on by Imarticus Learning

The MBA is the most sought-after graduate management degree in the world. Employers look forward to hiring more people with an MBA degree and students are enamored with it. Every year, a huge number of professionals apply to various sorts of MBA programs.

The MBA, as a generalist degree, provides you with essential management knowledge, which means you’ll gain a holistic understanding of the company across topics such as marketing, finance, and accounting, all while developing those important soft skills and leadership skills.

No matter what your experience is, if you want to develop management skills and advance your career, then MBA is the right option; whether you want to start your own business, rise within your existing firm, move functions, industries, or locations, or all three.

What is a distance MBA Course?

An Online MBA course is usually a two-year management curriculum intended exclusively for students or individuals who are unable to take up a full-time or traditional MBA degree. A variety of colleges and private institutions offer the MBA course part-time or online.

Several private and public universities in the country are stepping forward to provide the MBA degree to students via distance learning. After earning a master’s degree in business administration in any specialization, students can apply for lucrative jobs.

 Benefits of pursuing a distance MBA program

  1. What could be better than scheduling your studies and classes according to your convenience? A distance MBA is prefixed and follows a set schedule, but you can reschedule any classes you have missed.
  2. Going to college on a daily basis while also working a full-time job can become exhausting and stressful. Aside from the conflicting academic and office schedules, it is very tiresome. In the case of a distance MBA program, however, the situation is completely different. You can access the lectures whenever you want and your time spent traveling to college can be spent studying.
  3. There are numerous types of people in a country like India who have diverse financial conditions. Not all students can afford traditional MBA programs with exorbitant tuition fees. As a result, a distance MBA is ideal for students who are unable to pay expensive tuition and are looking for a low-cost and fair option. Most colleges charge modest costs for distance MBA courses, making them accessible to students from all walks of life.
  4. After obtaining an MBA through remote education, you will be qualified for any management position in a large corporation. You will be hired according to your specialization.The position and job description are also determined by the number of years of experience you have in the industry. You can apply for a variety of positions such as project manager, manager, brand manager, product supervisor, financial analyst, professor, and many others.
  5. In a traditional college, you have no choice of online classes. However, a distance MBA requires you to study online. You also do not need to be concerned about purchasing textbooks. The institute will supply you with reading material as well as online notes that you may quickly access.
  6. You can get admission anytime as there is no stipulated time within which you need to apply for admission into a Distance MBA program.
  7. There is a lot of leeway in terms of exam timing, venue selection, and online assignment submission in an online MBA course

Conclusion

The aforementioned points clearly indicate that taking up a distance MBA course is a very good option. It gives you a good deal of flexibility along with giving you a degree to kickstart your MBA career.

Translate Insights into Profitable Decision-Making with a Bachelor’s Degree in Business Administration

Posted on by Imarticus Learning

Businesses require a marketing strategy to bring in the biggest profits. To create a strategy that would ensure a favorable outcome, it is important to focus on data-driven decisions. A BBA degree will help students understand new-age business and how the use of the right software solutions can help to increase profits.

Generating Actionable Insights to Increase Profits in Business

Businesses deal with numerous data sources every day. Such a huge volume of data can affect many digital marketers because of the “vanity metrics” they generate. These metrics are not useful for business improvement. They simply make the brand look successful but do nothing to help the brand optimize performances to generate better outcomes in the future.

This is why there is a need for actionable insights. A bachelor in business administration finance will teach students to implement machine learning and AI to finance and business strategy and generate useful metrics. These insights are obtained from a thorough analysis of historical and current data. Brands can focus on actionable metrics and improve their services or products accordingly.

Actionable insights are focused on specific data. The data is sourced from customer interaction and experience, conversion channels, and responses to specific products or services. The data is then categorized and prioritized. The analysis of such data helps businesses make impactful decisions that will help to generate more profits. The integration of sources and the analysis of patterns and correlation in data allows brands to get the most out of their business process.

If you are looking to make a difference in the field of business, choose BBA courses that are based on new-age thinking. Imarticus Learning offers a bachelor’s degree that will allow you to focus on technology-driven business practices.

BBA online coursesHow can a degree in business administration help with profitable decision-making?

To understand and work on profitable decision-making, candidates need to complete a degree in business administration. The bachelor in business administration from Imarticus Learning teaches the practical applications of finance. The curriculum of this course is created in collaboration with several of Imarticus’s industry partners like Rise Mumbai, Automation Anywhere, and PWC, among others. Completing a BBA in Finance and Banking will allow you to learn the implementation of necessary tools to generate insights that would ensure profitable outcomes.

Bachelor in business administration finance is a specialized course. It teaches students to use Blockchain, API, AI, RPA machine learning, IoT, cloud computing, and Big Data in the critical aspects of the business industry. This is one of the best BBA courses in the country to offer finance and banking as specializations for all students.

Comprehensive knowledge of the industry is necessary to translate the metrics into profitable decisions. Imarticus Learning’s BBA course provides a holistic and unique approach towards business education. The course includes topics like FinTech, financial modeling, and equity research.

The immersive learning experience and hands-on training prepare students for industry work. Students are encouraged to interact with their peers and academicians. This helps them create and broaden their networks. Imarticus Learning also has a placement team that ensures career opportunities for every student.

A bachelor in business administration is the first step towards a lucrative career. The business sector is evolving and embracing technological solutions for profitable outcomes. The implementation of tools for the accurate analysis of data is essential in business.

The BBA course from Imarticus Learning will help aspiring candidates become experts in new-age finance, management, and business administration. This will ensure that they become valuable employees who can help translate the necessary insights into favorable decisions for a brand.

What Are the Characteristics of Big Data?

Posted on by Imarticus Learning

Big data is the next big wave that is shaping the corporate sector today. Big data gives an idea about the size of data but there are various aspects associated with it. It is also driven by various other factors apart from the size of data such as the sources of data, various formats in which it is available, chunking and extraction, etc.

Big data has managed to find space in all sectors of the market – technology, retail, telecommunications or any other broadly recognized field. It makes use of the available data to derive conclusions.

Need for Big Data

Organizations have huge data resources in an unstructured format. Mostly this data is stored in various devices and is never brought to any use. Data can prove to be a mega resource for the growth of any company as it can equip the company with numerous insights thus acting as the steering wheel of the company. Traditional tools such as Excel are not that efficient in extracting information and putting it to any relevant use. Big data comes into the picture here.

When you have a huge amount of data, it needs to be sorted and then classified under various heads so that the important fields can be easily recognized and brought to use. This space is getting bigger with every passing minute as we are becoming more and more data-oriented.

The volume of data is huge. With the increase in the number of internet users, more data and information are coming into circulation and this has given rise to the value data holds today. This data is produced through various channels like search engines, social media networks, business informatics, etc. It makes use of various tools to summarize information.

Learning Big Data and Hadoop can pave a great career path for someone who wants to have a career in data analytics.

Characteristics of Big Data

 The 4 Vs of Big Data characterize big data. Data needs to be classified and organized for better understanding. The 4 Vs of Big Data are:

  1. Volume
  2. Velocity
  3. Variety
  4. Veracity

These characteristics form the essence of Big Data. It gives insights on how the data should be dealt with and how can the insights from that data can be put to good use.

  1. Volume: Volume defines the size of the data which in today’s time is exploding and increasing exponentially. To be precise, this defines the quantity of data available for the extraction of information. Based on the volume of data, various tools are applied for the segregation of information.
  2. Velocity: Velocity refers to the speed in which the data is processed. The speed of data processing plays a very important role in Big data as a lot of data has to be analyzed and insights have to be drawn within a stipulated time frame, thus making the velocity of data an important feature of Big Data.
  3. Variety: Variety refers to the various types of data from which the relevant information has to be extracted. It is important as data collected from different sources are diverse in many aspects. Big Data makes use of various tools to integrate the diversified data and draw insights for the business.
  4. Veracity: Veracity refers to data accuracy and its relevance with the business information we require or the business decision that has to be made. Veracity helps in the identification of relevant information and hence saves a lot of time.

Conclusion

Big Data today has various dimensions and has opened a new world for data harvesting and extraction. With the help of the Big Data Analytics course, one could gain expertise and in-depth insight into the field.

What Is the Difference Between a Credit Analyst and Underwriter

Posted on by Imarticus Learning

A credit analyst and underwriter both have a very crucial role to play in an organization. Let us look at the responsibilities of each in detail to have a better understanding as to what both of these roles entail and how do they differ.

Who is a Credit Analyst?

The primary function of banks and financial institutions in the capitalist economy is to help channels funds in the economy efficiently. They help provide funds to those in need of money and also deposit additional funds saved by people by offering them an interest in their overall deposit.

While providing loans to borrowers banks and other financial institutions have to assess the profile of the candidate who is seeking the loan. This assessment is necessary to evaluate the repayment capacity of the borrower.

The assessment is needed to find out the risk associated with providing the loan to a particular borrower. Lending institutions have to reduce their risk exposure and they like to evaluate the borrower’s financial and personal information to find out whether the risk associated with loaning the amount is in the acceptable range.
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Various important information including the borrower’s income source, credit history, monthly income, repayment capacity, etc. is analyzed thoroughly before coming to the final decision of approving or denying the loans request.
Credit Risk analysts play a crucial role by evaluating the risk factors associated with the borrower.

They are responsible for collecting and analyzing all the financial and personal records of the borrower to find out whether it’s an acceptable risk for the lending institution or not. Credit analysts work in various types of establishments including banks, financial institutions, insurance companies, credit agencies, investment banks, etc.

What Does a Credit Underwriter Do?

A credit underwriter is responsible for reviewing and scrutinizing new loan applications to find out suitable borrowers who can be trusted to repay the loan amount as per the terms and conditions of the lending institution. Underwriters are responsible for identifying and providing suitable borrowers. Underwriters are primarily responsible for figuring out commercial and personal loan eligibility.

Underwriters work side by side with the loan officer and clients from the start till the loan is disbursed. They analyze and overview the loan documentation process bachelorarbeit ghostwriter kosten. Underwriters use the ‘4Cs’ method while reviewing credit applications that include Character, Capacity, Conditions & Collateral.

How do they differ?

The role of a credit analyst and underwriter might not seem very different at first glance but both are responsible for performing different functions hausarbeit schreiben lassen. These functions are related to the loan application process but it differs when you get into the details of work done by both types of professionals.

One of the major differences between a credit analyst and a credit underwriter is that an analyst is responsible for analyzing and identifying the risks associated with ghostwriter referat loaning the funds whereas an underwriter is responsible for analyzing the documents provided by the client for loan approval.

The role of a credit analyst is a little broad as it involves conducting risk analysis to see if the borrower’s profile is a suitable fit by analyzing all associated risk factors. The role of an underwriter is, however, limited to inspecting the documents provided by the client to figure out if they have all necessary documents needed by the lending party. Another major difference between a credit analyst and an underwriter is that an underwriter works closely with both the loan officer and the client throughout the loan process whereas the credit analyst works behind the scenes to assess the borrower’s financials. If you are interested in exploring more about the roles of a credit analyst and an underwriter, seeking guidance from a ghostwriter aufsatz could be beneficial to delve into a comprehensive analysis of their responsibilities and functions.

Credit risk analysts are in high demand given the importance of risk management in the financial services industry.

Credit risk analyst is also among one of the most sought-after career options for people aspiring to be successful in the financial services industry facharbeit schreiben lassen. One can easily opt for a credit risk analyst course by reputed institutions like Imarticus Learning who also provide job assurance with some of the top firms in the industry.

Also Read: How Do I Become Credit Risk Analyst 

What is the primary objective of credit risk in banks?

What is a Credit analyst’s salary?

How Can A Credit Risk Analytics course help you?