Introduction to Bank advances / Lending |
Lending entities – Banks, Non Banking Finance Companies ( NBFCs), differences, Distribution, areas of operationsCardinal Principles of Lending – Safety, Liquidity, ProfitabilitySectors in which banks provide credit. Retail Lending, Corporate lending, Advances to MSMEs
5 C Model of Credit Analysis
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4.5 |
Scope of Lending, Concept of EMI and Time value of money |
Scope of retail credit, Factor contributing to growth of retail credit, Understanding EMI, Time Value of Money and its working on EXCEL |
4 |
Retail Lending Products & Process |
Understanding secured and Unsecured lending products and general process of Lending keeping in view the cardinal principles of lending.Understanding the borrower profiles and asset profiles |
4 |
Understanding Key Lending products |
Home Loans, Loan Against Property, Taxation in housing loans other forms of retail credit – Vehicle loans, Personal and consumer loans and concept of plastic money |
6.5 |
Plegde, Hypothecation and other charges |
Understanding various aspects of mortgage as a charge and security available to banks |
2.5 |
Company advances, Credits to Partnerships, HUF and Trusts |
Concept of company and its features, Various categories of companies, partnerships firms, HUF and Trusts, their structure and liabilities. |
3.5 |
Documentation – Conceptual and Practical aspects |
Understanding the documentation involved in the lending process according to various assets and profiles. Understanding the liabilities of borrowers and lender, execution, loan agreement, relevance to POA etc |
3 |
Follow Up , Supervision and monitoring of credit facilities |
Post sanction process, Understanding delinquent account, NPA and recovery management, legal and non legal ways of recovering money, write offs. |
4 |
Case Study |
.Live case study on a sanctioning of a housing finance file – End to End Process |
3 |
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Total Learning Hours |
45 |