What you'll 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
Requirements
Basic Knowledge of Banking
Description
Welcome to this Course on Credit Policy, Delivery, Appraisal, Risk & RatingReserve 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 followsa) Principles of Lendingb) Model Credit Policyc) Types of Borrowersd) Types of Credit Facilitiese) Credit Deliveryf) Credit Appraisalg) Credit Risk Ratingh) Credit RatingMy 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.
Overview
Section 1: Principles of Lending
Lecture 1 Introduction to Principles of Lending
Lecture 2 Safety of Lending
Lecture 3 Liquidity
Lecture 4 Profitability
Lecture 5 Purpose of Loan
Lecture 6 Diversification of Risk
Section 2: Credit Policy
Lecture 7 Introduction to Credit Policy
Lecture 8 Credit Policy
Lecture 9 Contents of Credit Policy (Part 1/3)
Lecture 10 Contents of Credit Policy (Part 2/3)
Lecture 11 Contents of Credit Policy (Part 3/3)
Lecture 12 Introduction to Appraisal Standards & Qualitative Parameters
Lecture 13 Liquidity and Net Working Capital
Lecture 14 Financial Soundness
Lecture 15 Turnover
Lecture 16 Profits
Lecture 17 Credit Rating
Lecture 18 Capital Markets
Lecture 19 Term Loan Quantitative Parameters
Lecture 20 NBFC - Quantitative Parameters
Lecture 21 Infrastructure Projects - Quantitative Parameters
Lecture 22 Lease Finance - Quantitative Parameters
Lecture 23 Guarantees & Co-Acceptances
Lecture 24 Syndication of Loan
Lecture 25 Documentation responsibilities, waivers and waiver authority
Section 3: Types of Borrowers & Types of Credit Facilities
Lecture 26 Introduction to Different types of Borrowers
Lecture 27 Major & Minor - Types of Borrowers
Lecture 28 Purdhanashin Woman
Lecture 29 Married Woman
Lecture 30 Illiterate Person
Lecture 31 Difference between Partnership Firm, LLP and Private Limited Company
Lecture 32 Precautions while granting crediting facilities to LLP
Lecture 33 Difference between Cash Credit and Overdraft
Lecture 34 Agent
Lecture 35 Attorney
Lecture 36 Joint Borrowers
Lecture 37 HUF - Part 1
Lecture 38 HUF - Part 2
Lecture 39 Sole Proprietorship
Lecture 40 Partnership Introduction
Lecture 41 Partnership - Essential Ingredients
Lecture 42 Partnership - Registration
Lecture 43 Limited Liability Company
Lecture 44 Public and Private Companies
Lecture 45 One Person Company
Lecture 46 Difference between OPC and Sole Proprietorship
Lecture 47 Small Company
Lecture 48 Difference between Private Limited Company and Public Limited Company
Lecture 49 Precautions - Lending to Company (Part 1)
Lecture 50 Borrowing powers of Company
Lecture 51 Borrowing Ultra Vires the Company
Lecture 52 Board Resolution for Borrowing
Lecture 53 Registration of Charges
Lecture 54 Effect of Non Registration of Charges
Lecture 55 Types of Credit Facilities
Lecture 56 Cash Credit - Operational Mechanism
Lecture 57 Features of Cash Credit Arrangement
Lecture 58 Advantages of Cash Credit
Lecture 59 Disadvantages of Cash Credit
Lecture 60 Overdraft Facility
Lecture 61 Introduction to loan system
Lecture 62 Bill Discounting System
Section 4: Credit Delivery
Lecture 63 Introduction to Credit Delivery
Lecture 64 Sole Banking Arrangement
Lecture 65 Multiple Banking Arrangement
Lecture 66 Syndication
Lecture 67 Types of Syndication
Lecture 68 Credit Thrust Areas
Lecture 69 Credit Priorities
Lecture 70 Tenure of Credit
Lecture 71 Credit Acquistion
Lecture 72 Statutory Restrictions on Banks on Loans & Advances
Lecture 73 Regulatory Restrictions on Banks on Loans & Advances
Section 5: Credit Appraisal
Lecture 74 Introduction to Credit Appraisal
Lecture 75 Credit Appraisal
Lecture 76 Validation of the Proposal
Lecture 77 Credit Risk
Lecture 78 Cardinal Principles of Lending
Lecture 79 Credit Worthiness of Borrower
Lecture 80 Credit Risk Rating
Lecture 81 Purpose of Loan
Lecture 82 Source of Repayment
Lecture 83 Cash Flows
Lecture 84 Collateral
Section 6: Last Section
Lecture 85 Bonus Lecture
Project Finance Consultants,Bankers preparing for Certified Credit Professional Course,Chartered Accountants,Banking Consultants,Credit Analysts


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