1. To familiarize the participants with different forms of credit, regulations, policy guidelines, process of credit investigation and selection of borrower.
2. To understand various techniques of credit appraisal, risk management, loan pricing and credit collection procedures.
3. To equip the participants with the tools and techniques for credit monitoring, supervision and recovery of non-performing loans.
Course Contents:
Different Forms of Credit, Importance of Credit, Macro and Micro Aspects of Bank Credit, Credit Policy Guidelines.
Credit Investigation-Credit Information Bureau, Credit Report, Selection of Borrowers.
Appraisal and Processing of Term Loan Proposals-Marketing Aspect, Technical Aspect, Financial Aspect, Management and Organizational Aspect, Environmental Aspect, Socio Economic Aspect.
Analysis of Financial Statements-Financial Spread Sheet (FSS), Common Size Financial Statements, Ratio Analysis, Cash Flow Statement Analysis.
Credit Risk Management (CRM)-Credit Risk Assessment, Internal and External Assessment of Risks, Credit Risk Grading for Corporate Sector, Bank and NBFI, Procedural Guidelines, Approval Process.
Credit Administration-Loan Structuring and Pricing, Sanctioning, Documentation and Repayment Schedule, Disbursement Procedures, Selection, Valuation and Control of Security, Creation of Charges, Insurance of Goods, Security Compliance Checklist, Credit Collection Procedures.
Loan Portfolio Risk Management- Portfolio Management of Loan, Strategies and Performance Evaluation.
Credit Monitoring and Recovery-Early Alert Process, Loan Classification and Provisioning, Strategies for
