The National Banking Institute, in collaboration with the State Bank Academy, Gurugram, is delighted to offer a
specialized program on Credit Risk Management & NPA. This course covers key aspects such as pre-sanction
credit evaluations, financial statement analysis, forex risk assessment, and working capital appraisal—
enabling bankers to make informed lending decisions. Participants will gain expertise in assessing term loans,
project finance, and post-sanction loan monitoring to mitigate defaults. The program also explores early warning systems (EWS), restructuring of stressed assets, and effective NPA (Non-Performing Assets) management
through real-life case studies. Designed for professionals in banks, NBFCs, and financial institutions, this training provides hands-on risk management strategies to minimize bad loans and enhance credit policies. An essential learning opportunity for those aiming to refine lending strategies and reduce financial risks.
Course Content
- Opportunity assessment
- Information sourcing
- CRM Lead
- Due Diligence
- CICs
- 5 Cs of Credit
- Pre-sanction inspection
- ECGC caution list
- Compilation of Opinion Report
- Valuation of Assets—Sole/Multiple and consortium arrangements
- Overview of Financial Statements
- Scrutiny of Financial Statements and
Auditors’ Report - Analysis of Financial Statements: Key
aspects of CMA - Ratios: Interpretation and use in decision making
- Related Party Transactions
- Fund Flow Analysis - Cash Flow analysis
- Creative accounting
- Red Flags in financial statements
- CMA Format
- Financial Statements and
- CMA Forms I to III
(Administered through case Study /
Case let/case studies s)
- Export and Import Finance
- Buyers Credit
- Bill Discounting Business (Inland & Foreign), Forex Exposure- Limit Setting
- Credit Risk Management- Ratings
- Internal & external credit rating methodologies
- Risk scoring models & regulatory guidelines
- Credit risk assessment & expected loss calculation
- Practical case let discussions