Objectives

This course is designed with the objective of providing basic knowledge and exposure for the participants to become a competent credit officer to handle areas of credit management. The main areas are,

• Understanding of the credit evaluation
• Assessment of Risk associated with credit
• Techniques of mitigating risks
• Management of recovering defaulted loans
• Management of various types of traditional and modern hybrid lending products.

Course Contents

Module I         Principles of Credit Management (8 hrs)

• Principles of Lending
• Classification of Credit
• Sectors of Lending
• Types of Lending Products
  • Fund Base Products
  • Asset Base Products
  • Fee Base Products

Module II        Credit Appraisal (8 hrs)

• Customer evaluation
• Customer Evaluating Techniques
• SWOT Analysis; 5 Forces Analysis

Module III       Financial Statement Analysis and Interpretation (16 hrs)

• Financial Statement Analysis
• Calculation of Ratios
• Interpretation of Financial Statement
• Accounting Techniques for Credit Decision Making
• Introduction to Working Capital Finance

Module IV       Risk Management (4 hrs)

• Introduction to Risk Management
• Credit Risk

Module V Securities Management and Documentation Procedures (12 hrs)

• Introduction to Security Management
• Types of Securities
  • Intangible Securities
  • Tangible Securities
• Legal Aspects of Securities
• Registration Procedure
• Payment of Stamp Duty

Module VI       Remedial and Recovery Management (16 hrs)

• Introduction to Recovery and Remedial Management
• Recovery Options
• Enforcing/ Liquidating Securities
• Litigating Procedures
• Capital Write off

Attendance: continuous attendance either physically or online will be considered in allowing to sit for the final examination