Suitable for all Professionals in Retail
Credit Skills for Bankers Certification Program- Retail
Certification by
- Contemporary content designed by practitioners
- Delivery by industry experts at campus
- Capstone Project to apply conceptual learning
- Mentoring by industry and faculty mentors
- Option to add global certification
- Placement support
Credit Skills for Bankers
Certification Program - Retail
The CSB Credit program helps enhance the quality of SME and retail loan appraisal/underwriting, credit needs assessment, loan monitoring (including early identification of problem credit and recovery). The program also covers key legal and regulatory aspects related to lending in these segments.
Have questions? We can help
What You Will Learn
- Retail banking in India and the role of the retail credit function.
- Learn how to assess and measure retail credit risk.
- Gain knowledge of the various types of retail loans and their features.
- Understand the end-to-end process of credit assessment, underwriting, and disbursement.
- Learn how to conduct due diligence for each type of retail credit product.
- Learn how to monitor loans post-disbursement.
- Learn how to take appropriate measures to remediate and undertake efficient recovery procedures.
Key Features
12-15 Hours of E- Learning
Self-paced learning on LMS
Masterclass by practitioners
Project & Assignment
Resume Building
Assured Placement - Assistance
Course Content
Module 1 - Overview of Retail Banking and Credit Landscape in India
- Lesson 1 - Retail credit function within the banking framework
Module 2 – Credit Risk & Consumer Lending Credit Analysis Framework
- Lessons 2 - Introduction to Credit, Cardinal Principles of Credit, Safety Liquidity, Profitability, 5-C Model of credit
- Lessons 3 - Consumer credit analysis framework: overview and five Cs of credit
Module 3 – Retail Credit Products and Assessment Process
- Lessons 4 - Home loans
- Lessons 5 - Vehicle loans
- Lessons 6 - Loans against property
- Lessons 7 - Unsecured retail credit
- Lessons 8 - Specialised credit products
Module 4 – Due Diligence & Recovery Management in Retail Credit
- Lesson 9 - Digital Culture and Mindset, Understanding Apps, Analytics and APIs
- Lesson 10 - Retail credit: portfolio monitoring, collections and recovery processes
- Module 1- Introduction to financial System – Borrower –Saver coordination Understanding Role of banks in a financial system.
- Module 2-Functions of Bank, Assets, Liabilities, Net Interest Margins, Fee Income, Sources of income to a bank,
- Module 3- Banking Channels, Branch Banking, Alternate channels, Digital Banking, Role of Dealers, DSAs and Direct Team in distribution.
- Module 4- Lending Concepts, Entities engaged in lending, Role of NBFCs, Importance of Credit
- Module 5- Structure of Lending organization, Role of sales, credit, operations and collection & customer
service
- Module 6- Introduction to Credit, Cardinal Principles of Credit, Safety Liquidity, Profitability, 5-C Model of credit
- Module 7- Understanding secured and Unsecured lending products and general process of Lending, Understanding the borrower profiles and asset profiles of Retail, MSMEs and Corporate clients
- Module 8- Retail Credit Products- Home Loans, Loan Against Property, forms, Vehicle loans, Business Loans, Personal Loans, Loans on Consumer Durables, Education Loans and Concept of Plastic Money, BNPL & Taxation
- Module 9- Understanding Ratios Income Assessments – Borrowers Assets, Liabilities and net worth – LTV, FOIR, Cash Flows, Banking – ABB, ACB
- Module 10- Lending Process – Types of Borrowers and Documentations, KYC, Financials and Other assessments like CIBIL, Dedupe
- Module 11- Understanding SME land scape, Term loans, Quasi credit non-fund-based facilities, BG, CC, Letter of Credit, Import Export, trade finance, term loans
- Module 12- Business, Management and Environment – PESTEL Analysis, Components of Credit Risk, Business risk, Operating risk and Environmental Factors
- Module 13- Reading Business Financials, Understanding Key Ratios & Analysis. Understanding Covenants, Securities & Guaranties, Structuring & Pricing
- Module 14- Writing credit application, Decisions Process, Understanding deviations, Sanction process, post-sanction documentation, Covenants
- Module 15- Early warning signals, monitoring, control and remedial actions, NPA Management
- Module 16- Digital Culture and Mindset, Understanding Apps, Analytics and APIs
- Module 17- Data Analytics – Use and Relevance of data, Understanding data tools – Excel, Tableau, Power BI, Data Visualization & Presentations
- Module 18- Understanding techniques like Stress Testing, ECL, PD, LGD, EAD, ECL, CRM Tools
How Does it Work
- Identify banking requirements of MSME & Retail clients and offer suitable solution.
- Assess the repayment sources and capacity of the borrower by assessing his key cash flow drivers.
- Apply qualitative and quantitative tools and techniques to assess the credit worthiness of clients.
- Present the appropriate loan/facility structure aligned to the business operating cycle.
- Enhance relationship size of existing customer and on-board new customers while keeping a check of portfolio quality.
- Communicate and collaborate better with internal and external customers.
Credit Skills for Bankers- SME
E-learning module on ‘Credit Skills for Bankers - SME’ with global certification from Moody’s Analytics
Career Opportunities
The credit skills course played a pivotal role in rekindling my career as a Manager at a very young age, credit skills widened my knowledge horizon with in-depth knowledge of credit analysis, risk management, strategic decision making, financial modeling etc.
Muskaan SinghCredit Manager, HDFC 
I am delighted to share that the credit skills course was instrumental in kick starting my career as a Tax Consultant at Deloitte. This program equipped me with skills imperative to stepping into any reputed financial institution. I got an exemplary opportunity that led to shooting up my career trajectory and securing a future with highly paid job prospects.
Manjot Kaur SainiTax Consultant, Deloitte 
I started working as a Business Analyst at Evalueserve after completing my MBA and the credit skills course from Skilllabs.This course provides hands-on experience with meticulously designed theory. This course is highly recommended for candidates looking forward to joining banking and financial institutions with good salary packages.
ParishaBusiness Analyst, Evalueserve 
I enrolled for a Credit Skills course at Skilllabs. This course is designed in a manner to inculcate practical learning with theoretical concepts and utilize simulation techniques to enhance interest. This program is worth every investment.
SachinCredit Manager, HDFC Bank 
After completing my MBA I registered for a Credit Skills certification course from Skilllabs. It provides 360 purview of credit with mentorship offered by seasoned industry experts. I highly recommend this course to individuals planning to enter the financial job market.This course landed me in HDFC bank as a Credit Manager.
RitikaCredit Manager, HDFC Bank 
This course focuses on practical learning techniques along with theoretical modules with expert mentorship. I will personally recommend this to candidates who want to work in a Bank and look up for quick career progression.
Ekta DograCredit Manager, HDFC Bank 
Previous
Next
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Have questions? We can help
Certification Options
Basic
Specially for Graduates
- 12-15 hrs of E-Learning Content
- 24/7 Online
- 4 Modules • 10 Lessons
- Certification by Moody's
- Job Asistance
₹ 14,950
Special Discount
₹ 12,950
(Plus Taxes)
Pro
Specially for MBA Students & Working Professional aspiring careers in Credit & Risk roles in Banking, Finance & Consulting Organizations
- All features of CSB-Basic
- 3 Masterclass by Senior Credit Experts
- Doubt Clearing Session with Experts
- Global Certification by Moody's
- Interview Preparation
- Resume Building
- 2-3 Assured Interviews
₹ 21,950
Special Discount
₹ 18,950
(Plus Taxes)
