This training will cover categories & forms of loans & advances, various scheme loans targeted to different sections of people of the society, SME finance for entrepreneurial development, legal framework related to bank loan, techniques & mechanisms of processing of a credit proposal, appraisal of credit proposal, appraisal of a project, tools & techniques of financial appraisal (detail) of a project, documentation against loans & advances, procedure for disbursement of loan, monitoring, follow up & supervision of loans, classification of loans, recovery of loans etc.
Benefits for the participants:
1. Familiarization with all the aspects/segments/parts of loan operation.
2. Build up confidence level of the credit Officer in discharging duties & responsibilities.
3. Upgrade the personal efficiency of the Credit Officer.
4. Help in proper appraisal/analysis of credit proposal
5. Help in right selection of borrower.
6. Enrich appropriate documentation knowledge.
7. Increase the knowledge of art & action of recovery of loan.
Workshop topics to be covered:
Session 01: Types of Loan and Legal frame work
Types of loans & Advances.
Laws related to Bank loan.
Lien, Right of set off & Assignment.
Session 02: Processing of credit proposal
Scrutiny of the credit approaches.
Collection & Accumulation of information.
Session 03: Appraisal of credit proposal
Customers need assessment.
Analysis of Bank statement of the customer.
Credit Risk Grading Score (CRGS).
Analysis of financial statement using Ratios.
Session 04: (Continuation of session 3)
SWOT & TOWS analysis.
Working capital assessment.
Selection of Borrower.
Session 05: Appraisal of project
Definition of a project.
Various aspects of a project.
Session 06: Financial & Economic aspects of project appraisal
Models for financial appraisal.
Capital budgeting techniques.
Break even analysis.
Session 07: Documentation & Disbursement
Charge documents; Common & Special
Creation on mortgage
Creation on charge with RJSC.
Session 08: Monitoring, Follow-up & Supervision
Pre- disbursement stage.
Post- disbursement stage.
Detection of early signal accounts & treatments.
Session 09: Classification of loans & Provisions
Category of loans as per quality
Grouping of loans for classification.
Criteria / basis for classification.
Rates for provision.
Eligibilities of security.
Session 10: Recovery of Loans
Fundamental issues relating to Recovery of loans.
Strategies for recovery of loans.