S No |
Chapter |
Topic |
Learning Hrs |
1 |
Introduction to Banking |
Evolution of money, Origin of banking, Banking Functions, framework and generic overview of banking business. Assets, Liabilities, Transaction Services. |
2 hours |
2 |
Types of Customers, Banker Customer Relationship |
Individuals, Firms, HUF, Trusts, Societies, Clubs, Self Help Groups, Bankers right & obligations, Lien & setoff, appropriations, Sectrecy and disclosures. |
2 hours |
3 |
KYC & AML |
KYC & AML compliance is important; key elements of a KYC policy: Customer Acceptance Policy and Customer Identification & Risk Management. |
2 hours |
4 |
Introduction to Loan Products |
Loan products (Secured and Unsecured); Key Terms such LTV, Tenure, IRR wrt HL, LAP, VL, PL & Credit cards. Rural Finance |
4 hours |
5 |
Understanding the Credit Underwriting Process |
Cardinal principles of credit, 5Cs of Credit, end to end credit underwriting process |
2 Hours |
6 |
Post sanction Documentation & Underwriting |
Understanding the importance of post documentation, Legal agreement, collaterals, securitization and underwriting a loan proposal. |
3 Hours |
7 |
Asset Classification |
NPAs, Standard, Sun-standard, Doubtful, Loss assets, Asset classification into buckets, X Bucket. |
3 hours |
8 |
Debt Recovery Agent – Meaning & Legal Framework |
DRA roles of responsibilities, Collection and Recovery, Legal and Regulatory framework of debt recovery, RBI draft. |
3 hours |
9 |
Functions of debt recovery agents |
Introduction, Collection dues, Remitting collected funds, book keeping, repossession, legal action, compiling reports. |
3 hours |
10 |
Soft Skills and Strategies for Debt Recovery |
Communication skills, Listening Skills, Interpersonal skills, Persuasive skils, Negotiation, Dealing with difficult debtors, Credit Counseling. |
3 hours |
11 |
Rights and Duties of Recovery Agents |
Regulatory Environment, Understanding regulators, who regulates what, Monetary policy, Trends and Challenges in banking. Banking Ethics. |
2 hour |
12 |
International Best Practices |
Introduction, Practices in USA, Practices in UK, what debt collector should do, What shouldn’t do. |
2 hour |
13 |
Fair Practices Code for Debt Collection |
Understanding the social, economical and legal framework of Debt. Charge, Terms and Conditions |
3 hours |