Credit Skills for Bankers Certification Program
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- 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
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
- Learn how to do due diligence for SME and retail loans.
- Conduct a structured credit analysis and apply the appropriate loan assessment methodologies to underwrite credit
- Analyze financial statements and metrics to determine repayment capacity.
- Learn to monitor loans, detect early warning signs, and take effective remediation measures for efficient recovery.
Key Features
45-55 Hours of E- Learning
Self-paced learning on LMS
Masterclass by practitioners
Project & Assignment
Resume Building
Assured Placement - Assistance
Course Content
Course 1 – Introduction and Overview of SME and Retail Credit in India
- Module 1- Overview of bank credit, SME/retail landscape and unique challenges of lending to SME and retail sector
- Module 2- Legal and regulatory framework and policies related to banking, SME and retail lending in India
- Module 3- Types of credit facilities offered to SME and retail borrowers
Course 2 – Introduction to Indian Accounting and Financial Statements
- Module 4- Understanding basics of accounting and reading financial statements
- Module 5- Accounting systems in India linked to borrower type
- Module 6- Understanding the operating cycle
Course 3 – Fundamentals of Credit Risk, Credit Models and the Appraisal Process
- Module 7- Understanding the concepts of credit risk and credit assessment framework for retail and SME lending
- Module 8- Credit underwriting in SME and retail - model and related due diligence and pre-sanction verification procedures
Course 4 – Credit Analysis Framework: Business Risk Assessment
- Module 9- SME credit analysis framework - SME business risk assessment
- Module 10- SME business risk analysis - business operating risk
- Module 11- SME business risk analysis - sustainability risk
Course 5 – Credit Analysis Framework: Management/ Promoter Risk Assessment
- Module 12- SME management risk analysis framework - management and owner risk
- Module 13- SME management risk analysis - promoter integrity, capabilities and succession risk
Course 6 – Credit Analysis Framework: Financial Risk Assessment
- Module 14- SME credit analysis framework – financial risk analysis
- Module 15- Financial risk analysis - identifying the borrowing causes
- Module 16- Financial risk analysis - using financial ratios to assess financial risk
- Module 17- Financial risk analysis - using cash flow related risk metrics
Course 7 – Credit Analysis Framework: Assessing Fund Based, Non Fund Based Credits and Retail Credit
- Module 18- SME working capital facilities
- Module 19- SME term loans for capital assessment
- Module 20- Assessment of quasi credit / non-funded facilities
- Module 21- Assessment of retail credit - home loans, vehicle loans and unsecured loan products
Course 8 – Credit Analysis Framework – Structure, Pricing, Risk Mitigants & Ratings
- Module 22- Structuring and pricing credit facilities
- Module 23- Security and guarantees
Course 9 – Credit Monitoring, Stressed Asset and NPA Management
- Module 24- Effective credit monitoring practices and processes
- Module 25- Early warning signals and remediating problem credit
- Module 26- NPA management - classification of assets, regulations and recovery management
- Module 1 – Overview of bank credit, SME/retail landscape and unique challenges of lending to SME and retail sector.
- Module 2 – Legal and regulatory framework and policies related to banking, SME and retail lending in India.
- Module 3 – Types of credit facilities offered to SME and retail borrowers.
- Module 4 – Understanding basics of accounting and reading financial statements
- Module 5 – Accounting systems in India linked to borrower type
- Module 6 – Understanding the operating cycle
- 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 7- Understanding the concepts of credit risk and credit
assessment framework for retail and SME lending - Module 8- Credit underwriting in SME and retail – model and related due
diligence and pre-sanction verification procedures
- Module 9- SME credit analysis framework – SME business risk assessment
- Module 10- SME business risk analysis – business operating risk
- Module 11- SME business risk analysis – sustainability risk
- Module 12- SME management risk analysis framework – management and owner risk
- Module 13- SME management risk analysis – promoter integrity, capabilities and succession risk
- Module 14- SME credit analysis framework – financial risk analysis
- Module 15- Financial risk analysis – identifying the borrowing causes
- Module 16- Financial risk analysis – using financial ratios to assess financial risk
- Module 17- Financial risk analysis – using cash flow related risk metrics
- Module 18- SME working capital facilities
- Module 19- SME term loans for capital assessment
- Module 20- Assessment of quasi credit / non-funded facilities
- Module 21- Assessment of retail credit – home loans, vehicle loans and unsecured loan products
- Module 22- Structuring and pricing credit facilities
- Module 23- Security and guarantees
- Module 24- Effective credit monitoring practices and processes
- Module 25- Early warning signals and remediating problem credit
- Module 26- NPA management – classification of assets, regulations and recovery management
Optional Module
E-learning module on ‘Credit Skills for Bankers’ with global certification from Moody’s Analytics
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.
Career Opportunities
Basic
Specially for Graduates
- 45-55 hrs of E-Learning Content
- 24/7 Online
- 9 Sub-courses • 26 Modules + Simulations
- 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
- Live Masterclass on Financial Modeling
- Doubt Clearing Session with Experts
- Global Certification by Moody's
- Interview Preparation
- Resume Building
- 2-3 Assured Interviews
₹ 29,950
Special Discount
₹ 24,950
(Plus Taxes)
Have questions? We can help
All professionals currently engaged or aspiring to be a loan specialist participating in any facet of credit related to Retail/Consumer Loans or SME Loans including such functions as client sourcing, credit underwriting and credit monitoring.
The credit sector in India is expanding, marked by an increasing issuance of loans to both retail and corporate clients. A critical proficiency required in this domain involves conducting a more thorough examination of customer or company profiles, financial standings, the operations of rating agencies, and the intricate processes involved in credit rating which is based upon case studies, live examples and practical aspects.
The courses have self-paced based content. So you can view the content at your convenience
You can reach us through any of the channels (phone / email) mentioned on the website. The query resolution time is usually 24-48 working hours. You can reach us through any of the channels (phone / email) mentioned on the website. If we are unable to resolve your query on email or website, we will set up a call at a mutually convenient time.
Access your course across desktop, laptop, tablet We recommend a broadband connection to enable uninterrupted experience while doing the course . A PDF reader and spreadsheet application are required to open the supporting resources.
All our exams are made up of multiple-choice questions. The final certification exam will also be a MCQ test drawn from a randomized question bank
No, all certificates are digital and can be downloaded.
Yes you will get a global certification from Pearson
Please refer to the hours listed on each of our courses for their estimated completion time.
Acquire tangible skills that you can leverage to make a strong impression during interviews, whether you aim to enter the finance sector or transition within your current roles.
Basic
Specially for Graduates
- 45-55 hrs of E-Learning Content
- 24/7 Online
- 9 Sub-courses • 26 Modules + Simulations
- Certification by Moody's
- Job Asistance
₹ 14,950
Special Discount
₹ 14,499
(Plus Taxes)
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