Title : Retail Credit Certification Program - Bandhan Bank (Batch 74) 05-07 December
Starts at:
Dec. 5, 2024, 2 p.m.
Ends at:
Dec. 7, 2024, 6:30 p.m.
A customized retail credit certification program for credit underwriting team managing group loan
(micro finance loan), small business agri loans (individual loans, PSL loans etc.)
Basics of Credit and the Credit Landscape in India
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- Introduction to credit and its importance in banking
- Overview of the credit landscape in India
- Definition of risk and understanding credit risk
- Components and measurement of credit risk: Loss, PD, EAD, LGD
- Introduction to bank lending and due diligence
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Starts at:
Dec. 5, 2024, 2 p.m.
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Ends at:
Dec. 5, 2024, 3:15 p.m.
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Types of Borrowers and Assessment Techniques
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- Types of borrowers: Major, Minor, Married woman, HUF, LLP, Companies
- Assessment techniques for different types of borrowers
- Assessing business performance: Micro and macro conditions
- Credit appraisal for term loans and working capital financing
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Starts at:
Dec. 5, 2024, 3:30 p.m.
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Ends at:
Dec. 5, 2024, 4:45 p.m.
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Priority Sector Lending and Reforms
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- Overview of priority sector lending (PSL)
- Reforms in PSL
- Credit appraisal for priority sector lending
- PSL categories: Agri, MSME, SJSRY, Micro
- Case studies and examples of PSL in practice
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Starts at:
Dec. 5, 2024, 5 p.m.
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Ends at:
Dec. 5, 2024, 6:15 p.m.
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Consumer Credit Framework and the Five C’s of Credit
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- Introduction to consumer credit framework
- The Five C’s of Credit: Character, Capacity, Capital, Collateral, Conditions
- Assessing the future ability and willingness to pay
- Challenges in unsecured lending
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Starts at:
Dec. 6, 2024, 2 p.m.
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Ends at:
Dec. 6, 2024, 3:15 p.m.
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Retail Asset Products
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- Overview of different retail asset products
- Home loans: Assessment and credit appraisal
- Vehicle loans: Assessment and credit appraisal
- Loan Against Property (LAP): Assessment and credit appraisal
- Affordable housing finance for weaker sections
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Starts at:
Dec. 6, 2024, 3:30 p.m.
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Ends at:
Dec. 6, 2024, 4:45 p.m.
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Retail Credit Due Diligence and Portfolio Monitoring
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- Principles and procedures of retail credit due diligence
- Essential documents required for due diligence
- Understanding CIBIL reports and the importance of CIBIL scores
- Analyzing bank statements for credit assessment
- Retail credit portfolio monitoring techniques
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Starts at:
Dec. 6, 2024, 5 p.m.
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Ends at:
Dec. 6, 2024, 6:15 p.m.
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Financial Statement Analysis
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- Understanding financial statements: CA, CL, P&L, Balance sheet, cash flow statement
- Techniques for analyzing financial statements
- Classification of assets and liabilities
- Practical exercises and case studies
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Starts at:
Dec. 7, 2024, 2 p.m.
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Ends at:
Dec. 7, 2024, 3:15 p.m.
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Credit Monitoring and Early Warning Signs
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- Credit monitoring techniques and best practices
- Identifying and interpreting early warning signs
- Strategies for managing credit risk proactively
- Case studies on early warning sign identification
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Starts at:
Dec. 7, 2024, 3:30 p.m.
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Ends at:
Dec. 7, 2024, 4:45 p.m.
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Management of NPA and Recovery
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- Understanding Non-Performing Assets (NPA)
- Strategies for NPA management and recovery
- Collection and recovery processes in retail credit
- Case studies on NPA management and successful recovery strategies
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Starts at:
Dec. 7, 2024, 5 p.m.
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Ends at:
Dec. 7, 2024, 6:15 p.m.
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Recommended books on amazon
Get Your Certificate
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Starts at:
Dec. 7, 2024, 6:15 p.m.
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Ends at:
Dec. 7, 2024, 6:30 p.m.
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Ratings & Reviews
4.7 average based on 14583 reviews.
Ratings Distribution:
purnachandra sahoo
Prakash Gogoi
Banking Quest
Rinky Ghosh
Jayanta Kakati
SYMANTA Das
Nirupam Roy
Anjan Deka
Jayanta Gogoi
Mukut Baruah
Salauddin Ahmed
Pranab Das
Sunmoni Hazarika
Salauddin Ahmed
PADMALOSON BARMAN
Shibu Das
Banking Quest
Nirupam Roy
Pranab Das
Uzzal Konwar