Credit Policy, Products, Delivery, Appraisal, Risk & Rating

Guide to Certified Credit Professional Course Exam of IIBF to become Credit Officer - Part 1/4

4.55 (122 reviews)
Udemy
platform
English
language
Finance
category
Credit Policy, Products, Delivery, Appraisal, Risk & Rating
1,685
students
4.5 hours
content
Jun 2021
last update
$49.99
regular price

What you will learn

Module A of Certified Credit Professional Course

Introduction and Overview of Credit

Principles of Lending

Model Credit Policy

Types of Borrowers

Types of Credit Facilities

Credit Delivery

Credit Risk Rating

Credit Rating

Credit Appraisal

Description

Welcome to this Course on Credit Policy, Delivery, Appraisal, Risk & Rating

Reserve Bank of India makes it necessary for Bank Employees involved in specialised job like Credit Administration to undergo Certification Program Certified Credit Professional offered by IIBF before April 1, 2018. This is necessitated to improve Bank's Man Power Capacity in step with recommendations put forward by 'Committee on Capacity Building' .

This course is an Unofficial Guide to 'Certified Credit Professional Course of IIBF'. I have created lectures to discuss topic by topic of Module A of said course  as follows

a) Principles of Lending

b) Model Credit Policy

c) Types of Borrowers

d) Types of Credit Facilities

e) Credit Delivery

f) Credit Appraisal

g) Credit Risk Rating

h) Credit Rating

My experience as Team Leader, Credit Processing Cell in Mid Corporate Group of State Bank of India helped me a lot to deliver lectures with practical insights.

Module B to E will be published as separate courses.

This is a self paced learning course. Use your headsets for effective listening.

See you inside the course.


Content

Principles of Lending

Introduction to Principles of Lending
Safety of Lending
Liquidity
Profitability
Purpose of Loan
Diversification of Risk

Credit Policy

Introduction to Credit Policy
Credit Policy
Contents of Credit Policy (Part 1/3)
Contents of Credit Policy (Part 2/3)
Contents of Credit Policy (Part 3/3)
Introduction to Appraisal Standards & Qualitative Parameters
Liquidity and Net Working Capital
Financial Soundness
Turnover
Profits
Credit Rating
Capital Markets
Term Loan Quantitative Parameters
NBFC - Quantitative Parameters
Infrastructure Projects - Quantitative Parameters
Lease Finance - Quantitative Parameters
Guarantees & Co-Acceptances
Syndication of Loan
Documentation responsibilities, waivers and waiver authority

Types of Borrowers & Types of Credit Facilities

Introduction to Different types of Borrowers
Major & Minor - Types of Borrowers
Purdhanashin Woman
Married Woman
Illiterate Person
Difference between Partnership Firm, LLP and Private Limited Company
Precautions while granting crediting facilities to LLP
Difference between Cash Credit and Overdraft
Agent
Attorney
Joint Borrowers
HUF - Part 1
HUF - Part 2
Sole Proprietorship
Partnership Introduction
Partnership - Essential Ingredients
Partnership - Registration
Limited Liability Company
Public and Private Companies
One Person Company
Difference between OPC and Sole Proprietorship
Small Company
Difference between Private Limited Company and Public Limited Company
Precautions - Lending to Company (Part 1)
Borrowing powers of Company
Borrowing Ultra Vires the Company
Board Resolution for Borrowing
Registration of Charges
Effect of Non Registration of Charges
Types of Credit Facilities
Cash Credit - Operational Mechanism
Features of Cash Credit Arrangement
Advantages of Cash Credit
Disadvantages of Cash Credit
Overdraft Facility
Introduction to loan system
Bill Discounting System

Credit Delivery

Introduction to Credit Delivery
Sole Banking Arrangement
Multiple Banking Arrangement
Syndication
Types of Syndication
Credit Thrust Areas
Credit Priorities
Tenure of Credit
Credit Acquistion
Statutory Restrictions on Banks on Loans & Advances
Regulatory Restrictions on Banks on Loans & Advances

Credit Appraisal

Introduction to Credit Appraisal
Credit Appraisal
Validation of the Proposal
Credit Risk
Cardinal Principles of Lending
Credit Worthiness of Borrower
Credit Risk Rating
Purpose of Loan
Source of Repayment
Cash Flows
Collateral
Bonus Lecture

Reviews

Palak
September 21, 2020
Amazing course. Very easily explained. Detailed explanation. Would recommend to people who are going to join banks for job.
Syed
May 9, 2020
like other courses offered by the same tutor, I was expecting that more direct face to face interaction will be done by the tutor like teaching on black board,etc.

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2141442
udemy ID
1/10/2019
course created date
11/21/2019
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