Credit

SME Lending @ Biratnagar

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.

Legal Aspect of Credit Appraisal

Core function of the Bank and Financial Institutions (BFIs) is to collect deposit and from the public and extend the loan to meetdifferentfinancialneeds 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.

 

Loans & Advances

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.

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 meetdifferentfinancialneeds 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

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