Credit

Credit Underwriting & Management

A structured training path through the credit life cycle from identifying and screening the prospective loan customers, importance of know your customer (KYC) assessment, Credit Underwriting, Financial Statement Analysis, Projections & Sensitizations, risk assessments, loan structuring, loan documentation up to learning how to identify and analyze the Early Warning Signals of financial distress and to formulate timely a viable debt recovery plan, etc.

Legal Aspect of Credit Appraisal & Credit Administration

Core function of the Bank and Financial Institutions (BFIs) is to collect deposit and from the public and extend the loan to meetdifferent financialneeds of the costumers. While providing loan that requires assessment of the costumers from different perspectives to ensure about proper utilization of loan in one hand and to make secure the Bank in distress situation. Legal risk should be one of the major aspect for BFI while credit appraisal.

Credit Risk & Relationship Management

The program aims to equip participants with sound knowledge on banking operations. Upon the completion of the course the participants will gain knowledge and skills that are very essential to be efficient in their field of work. This program will help participants get an overall concept of a bank’s working procedures. The participants will be able to:

1.  Understanding the meaning and definition of credit

2.  Structuring of the loans

3.  Writing of credit proposal

Retail Lending

Bank and Financial Institutions have been giving extra focus in growing Retail/ Consumer Lending in the recent days as it contributes in diversifying the risks and enhancing the customer base. Due to comparatively low risk weightage on retail loans, exception a few products, retail loans have been enabling the BFIs to enhance more loans with the limited available capital, which has been further helping them to maximize profitability.

Credit Underwriting & Management

A structured training path through the credit life cycle from identifying and screening the prospective loan customers, importance of know your customer (KYC) assessment, Credit Underwriting, Financial Statement Analysis, Projections & Sensitizations, risk assessments, loan structuring, loan documentation up to learning how to identify and analyze the Early Warning Signals of financial distress and to formulate timely a viable debt recovery plan, etc.

Risk Based Internal Audit

Risk Based Internal Auditing (RBIA) is a audit methodology that links an organisation's overall risk management framework and allows internal audit function to provide assurance to the board that risk management processes effectively, in line with risk appetite define by the Bank.
The Basel Core Principle for Effective Banking Supervision, and Basel/OECD Corporate Governance Principles of Banks requires the internal audit function to conduct the RBIA.

Basic Concept of Credit Management & Interpretation of Financial Statements of Borrowers

This program provides the participant with basic foundation of knowledge and skills that help them to reach sound, reliable judgment of company creditworthiness.  It shall focus on practical introduction to financial statement from the perspective of the credit analysts. Discussion on each component of financials statement will help the delegates to assess key qualitative and quantitative factors in determining limit requirement and repayment capacity borrower.

Productive Sector Lending

Productive sectors are the real sectors of the economy. Sectoral components of GDP such as agriculture, industry and services are the productive sectors. It reflects the viable, creditworthy picture of an economy emerging. Investment on the productive sectors has been a main focus of the government thus to stimulate economic growth and generate income and employment opportunities.

Basic Concept of Credit Management & Interpretation of Financial Statement of Borrower @ Narayanghat

This program provides the participant with basic foundation of knowledge and skills that help them to reach sound, reliable judgment of company creditworthiness.  It shall focus on practical introduction to financial statement from the perspective of the credit analysts. Discussion on each component of financials statement will help the delegates to assess key qualitative and quantitative factors in determining limit requirement and repayment capacity borrower.

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