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Credit Appraisal Program

Credit is an important function in banking operations. Lending to business enterprises requires specialized skills in the areas of borrower due diligence, credit risk assessment, credit requirement assessment, loan documentation, creation of security charges, post-disbursement monitoring and recovery management. This course is designed to bridge the knowledge gaps as well as to sharpen the credit assessment skills of Credit Officers across branches & Credit Processing Offices.

Duration : 5 Days

Target Group: Officers identified for handling credit function across the bank/ offices.

Objectives: At the end of the program, the participants would have gained:

  • Improved understanding of the processes relating to borrower due diligence, appraisal, assessment, loan documentation, disbursement, post-disbursement monitoring and NPA/recovery management
  • Skills for assessment of Working Capital, Term Loan and Project Loan requirements.
  • Familiarity with various types of credit facilities, including trade finance and export & import credit.
  • Understanding of the internal and external credit risk ratings and their uses.
  • Confidence in handling credit functions related to small and medium-sized enterprises at branches.
  • Understanding of Credit Marketing & Relationship Management Credit Policy of the Bank.


MODULES


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Principles of lending to business enterprises.
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Credit Policy of the Bank
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Selection of borrowers and due diligence procedures.
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Appraisal of promoter and industry/business conditions
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Financial statements analysis and ratio analysis.
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Working capital assessment and term loan/project loan requirements
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Issues connected with lending to non-corporates.
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Financing to priority sector.
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Credit Risk Rating models and their uses.
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Loan documentation and creation of security arrangements.
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Post-sanction monitoring
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Management of stressed assets.
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NPA and recovery management.
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Fair Practices Code for Lenders.
OTHER PROGRAMS