Credit

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.

Banks were much concentrated on large ticket corporate loans in the past for the maximum profitability by managing very limited resources. It was considered that the SME Loan requires high operating cost in comparison to return. Now the time has changed and banks have been focusing on high volume small ticket SME loans and also focusing with new approaches and strategy to capture this business. SME customers presents one of the greatest opportunities for banks to pursue growth and profitability; at the same time it represents substantial credit risk also.

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

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.

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.

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

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.

Credit Appraisal is the process that bank assesses the credit worthiness of the borrower. The major question in this appraisal is "Will I get my money back?"The assessment of the various risks that can impact on the repayment of loan which revolves around character, collateral capability and capacity.