Credit Skills for Bankers Certification Program

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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.

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What You Will Learn

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

Course 2 – Introduction to Indian Accounting and Financial Statements

Course 3 – Fundamentals of Credit Risk, Credit Models and the Appraisal Process

Course 4 – Credit Analysis Framework: Business Risk Assessment

Course 5 – Credit Analysis Framework: Management/ Promoter Risk Assessment

Course 6 – Credit Analysis Framework: Financial Risk Assessment

Course 7 – Credit Analysis Framework: Assessing Fund Based, Non Fund Based Credits and Retail Credit

Course 8 – Credit Analysis Framework – Structure, Pricing, Risk Mitigants & Ratings

Course 9 – Credit Monitoring, Stressed Asset and NPA 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

Career Opportunities

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Basic

Specially for Graduates

₹ 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

₹ 29,950

Special Discount

₹ 24,950

(Plus Taxes)

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