Join our webinar on the latest trend in the Banking sector.

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Workshop on Priority Sector Lending

Credit Appraisal Memorandum Writing Skills

Overview/Objectives

Overview/Objectives

Priority Sector lending is a mandatory lending to specified sectors as defined by RBI. This workshop deals with understanding the defination of priority sector, understanding the different subsegments of priority sector, Imp of priority sector lending, as well as issues and challenges faced during priority sector lending.

Benefits:

  • Participants would capable of building up concepts associated with priority sector lending
  • Knowledge about the techniques and tools related to Priority Sector Lending.

Credit Appraisal Memorandums are written after undertaking a detailed assessment of the loan or funding instrument. It is the fundamental and primary means of communication within the banking industry.

This structured course imparts knowledge and skills related to importance of the technique writing Credit Appraisal Memorandums (CAM), highilighting common deficiency of CAM, linking CAM with credit risk management.

Benefits:

  • Participants would be able to build up skillset required a robust assessment memorandum
  • Lead to better understanding of the credit analysis without any ambiguity

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Workshop on Agricultural Credit

Term Loan Appraisal

Overview/Objectives

Overview/Objectives

Lending to the Agricultural sector in India is often fraught with unique challenges due to various factors.

The workshop on Agricultural Credit deals with importance agriculture credit, segmentation of agriculture credit, and with stratgies for reducing loss associated with agriculture credit.

Benefits:

  • Participants would be able to build up skillset required to lend under agricultural  credit without compromising quality of accounts
  • Better understanding of the sector and its unique challenges and methodologies to minimize risks.

The key role of Term Loan Appraisal is to discover the repayment capacity of the borrower. It is therefore a key document involved in the lending process.

The structured course on Term Loan Appraisal deals with understanding project cost determination, means of finance determination, physical projection, financial projections, sensitivity analysis, and term loan monitoring

Benefits:

• It will build up comprehensive knowledge on term loan assessment process.

• Participant would be able to assess and suggest proper term & covenants associated with term loan products

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Trade Finance Solutions

Effective PD

Overview/Objectives

Overview/Objectives

Trade Finance is a large sector for lending. The structured course deals with understanding the importance  of trade finance, export finance, its existing regularity guidelines, assessment, import finance regulatory guidelines assessment, linkage of trade finance with credit assessment process, and coverage on high sea sales and merchanting trades.

Benefits:

  • The course will build up comprehensive skill sets on trade finance in your team
  • Inculculate capabilities over the process and assessment of trade finance requirement
  • Develop abilities to identify right fit  product for meeting customer needs

Understanding and evaluating the probablity of default is one of the key skillsets that will enable bankers to avoid expensive write offs. Today PD is one of the key elements of any credit analyses and risk management frameworks.This structured course deals with Imp of PD in credit customer selection process, techniques of pre interview preparations, ideas on how to start interview process, how to ask proper questions, how to handle negative reactions, role plays on PD.

Benefits:

  • Build up a process driven appoach for conducting PD and use of PD information in credit evaluation process
  • Enhanced Credit risk evaluation skillsets of your team

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Early Warning Signals in Banks

Infrastructure Financing

Overview/Objectives

Overview/Objectives

Knowledge of impending trouble with accounts is one of the most important requirements for prompt and pre-emptive action that can mitigate further losses.

This structured course deals with understanding the importance of Early Warning Signals in the present day context, use of big data analytics in building up Early Warning Signals in banks, integrating Early Warning Signals with credit appraisal process, future of Early Warning Signals mechanism of banks, JLF, SDR and other restructuring guidelines and linking the same with the Early Warning Signals.

Benefits:

  • Build up comprehensive knowledge on Early Warning Signals
  • Identify weakness of an account well before to design proper exit starategy from a potential NPA account
  • Mitigate risks in a structured manner.

Infrastructure financing is one of the key economic drivers in India today, and it is likely to remain one for the foreseeable future. This structured course deals with definition of infrastructure financing, diff between infra financing and normal financing, risk associated with infra financing, different financing models prevalent in infra financing, case studies on road projects and power projects.

Benefits:

  • Ability to understand the reason for bad loan in infra financing
  • Team imbibes skillsets required for deciding appropriate method in infra financing
  • Comparative international case studies could help participant to benchmark for innovative methods of financing of Indian infrastructure

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