Objectives

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

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

Learning Outcome

At the end of the programme, the participants will be able;

• To understand the concepts and apply the best practices in Credit Management
• To analyze source documents and prepare impressive and convincing credit proposals using modern credit evaluation techniques,
• To make sound credit decisions in evaluation, risk management and recovery
• To perform as educated and confident credit professionals

Course Contents

Module 1 – Introduction to Lending Business; credit policies and credit culture

• Introduction to Lending business
• Role of Asset and Liabilities Committee

Module II Principles of Credit Management

• Principles of Lending
• Types of Borrowers and eligibility of borrowers
• Classification of Advances

Module III Credit Appraisal

• Customer evaluation
• Credit Rating Analysis
• Customer Evaluating techniques
• Evaluating Business Customers

Module IV Financial Statement Analysis and Interpretation

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

 Module V International Trade

• Introduction to International Trade
• Financing Import Trade
• Financing Export Trade

Module VI Risk Management

• Introduction to Risk Management
• Risk Mitigation Instruments / Methodologies

Module VII Securities Management and Documentation Procedures

• Introduction to Security Management
• Types of Securities
• Valuation of Securities
• Legal Aspects of Securities

Module VIII   Remedial and Recovery Management

• Introduction to Recovery and Remedial Management
• Post Sanction Supervision / Monitoring and Follow up
• Recovery Options

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