• Overview of credit function of a bank branch
  
• Principles and practice of lending
  
• Financial analysis for lending
  
• Securities used against lending
  
• Credit documentation and sanction
  
• Credit monitoring and loan recovery
  
• Asset categorization
  

Target Audience

Those who are interested in understanding the operations of a bank branch with respect to loans and advances.

Instructional Method
Dynamic, Interactive e-learning

Recommended Background
Familiarity with basic financial concepts

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1. Overview of Credit Function

• The main parameters of classifying bank credit
  
• The key features of fund based and non fund-based credit facilities
  
• Various stages of the life cycle of bank credit
  
• The essential features of each stage of the life cycle
  

2. Principles and Practice of Lending

• The meaning of bank lending
• The types of risks in bank lending
  
• The main principles of bank lending
  
• The due diligence of proposal
  
• The risk rating analysis of applicant and assess the need and quantum of credit
  

3. Financial Analysis for Lending

• The meaning of financial analysis
  
• The types of financial analysis
  
• The meaning of ratio analysis and different kinds of ratios
  
• Each ratio and its implications
  
• The meaning and mechanics of cash flow analysis
  

4. Securities for Lending

• The importance of assignment as a mode of transfer of interest in securities
  
• The attributes and importance of guarantees
  
• The precautions to be taken while issuing guarantees
  
• The importance, attributes, and classification of securities for bank credit
  
• The main forms of charges and security creation
  
• The main requirements of mortgage creation as a bank security
  
• The attributes of different kinds of mortgage
  
• The main advantages and disadvantages of mortgage
  

5. Credit Documentation and Sanctioning

• The meaning and need for documentation
  
• The contents of a loan document
  
• The process of documentation
  
• The classification of documents
  
• The elements of execution and execution by different entities
  
• The credit sanctioning process
  
• The delegation of financial powers
  
• The contents of loan policy and loan agreement
  

6. Credit Monitoring and Loan Recovery

• Importance of follow up/monitoring of credit at the branch and other levels of the bank
  
• Various tools and modalities of physical and financial follow-up of credit, specially at the branch level
  
• Need and modality of annual review/renewal of credit
  
• Personal liabilities of the guarantor and principal debtor
  
• Exercising rights of set off in certain cases
  

7. Asset Categorization

• The norms for asset classification and income recognition
• Meaning and classification of a non-performing assets (NPAs)
• Meaning and causes of sickness in business units
• Basics of an NPA management
• The principles and procedures of rescheduling loans and compromise settlements
• The principles and procedure of write-off