A structured training program for beginners / fresh trainees for understanding of loans & advances and risk management.
The program is designed specifically for fresh banking professionals (beginners / trainees) who aspire to make their career in banking. This course is therefore for anyone who wants to attain initial understanding of the credit underwriting process, different loans and advances and risk management process in banking.
Preparing valid loan document is not an easy task. The officials designated for loan document preparation should have knowledge of prevailing legal aspects, risk factors associated with the credit along with patient, analytical skill and common sense.
A structured training path through the credit life cycle from identifying and screening the prospective loan customers up to learning how to identify and analyze the Early Warning Signals of financial distress.
A structured training path through the credit life cycle from identifying and screening the prospective loan customers up to learning how to identify and analyze the Early Warning Signals of financial distress.
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
Preparing valid loan document is not an easy task. The officials designated for loan document preparation should have knowledge of prevailing legal aspects, risk factors associated with the credit along with patient, analytical skill and common sense.
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.
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.
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.
