Credit Officer Course

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Credit Officer Course - Scale 1

Learn with Swapraksha

21 modules

English

Lifetime access

Prepare for Bank Credit Officer Scale 1

Overview

The Credit Officer Course - Scale 1 is designed to equip aspiring professionals with the knowledge and skills required to excel in the role of a Credit Officer at the Scale 1 level in financial institutions. This course will cover a wide range of topics essential for credit assessment, risk management, and loan structuring. Participants will learn about credit analysis techniques, financial statement analysis, credit policy frameworks, and regulatory requirements related to lending practices. The course will delve into the intricacies of evaluating a borrower's creditworthiness, identifying potential risks, and making informed lending decisions. Emphasis will be placed on understanding the factors that affect credit risk and how to mitigate them effectively. Additionally, participants will gain insights into building strong relationships with clients, ensuring compliance with credit policies, and monitoring loan portfolios to minimize defaults. Through a combination of theoretical knowledge and practical case studies, participants will develop a comprehensive understanding of the credit appraisal process and best practices in credit management. By the end of the course, participants will be equipped to assess creditworthiness accurately, structure viable credit proposals, and contribute effectively to the overall credit risk management function within their organizations. Overall, the Credit Officer Course - Scale 1 is ideal for individuals looking to pursue a career in credit management and enhance their expertise in evaluating credit risks, managing loan portfolios, and ensuring regulatory compliance. Whether you are a banking professional seeking to specialize in credit operations or a finance professional aiming to broaden your skill set, this course will provide you with the necessary tools to succeed in the dynamic field of credit management.

Key Highlights

Learn overview of credit analysis process

Understand key credit risk factors

Explore different types of credit facilities

Gain knowledge in financial statement analysis

Acquire skills in credit evaluation techniques

Understand loan documentation and legal aspects

Learn about credit monitoring and review processes

Practical case studies and real-world examples

What you will learn

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Understanding Credit Analysis

Learn the fundamentals of credit analysis, including credit risk assessment and credit scoring models.

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Loan Origination Process

Explore the loan origination process, from application to disbursement, including documentation and verification.

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Credit Policy Compliance

Understand the importance of credit policy compliance and regulatory guidelines in lending operations.

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Risk Management in Lending

Gain insights into risk management practices in lending, including identification, measurement, and mitigation strategies.

Modules

Online Classes

7 attachments • 6 hrs

Introductory Class

Credit Policy - Credit Delivery Structure

Customer Due Diligence - KYC Policy in Banks

Principles of Lending

Class 30th Jan 2025 - Money Market, Instruments

Class 02nd Feb 2025 - IRAC norms - Income Recognition and Asset Classification Norms

Class 05th Feb 2025 - WillFul Default, Sanction Letter, Documentation

Online Classes on Credit

22 attachments • 22 hrs

1 Working Capital Methods

2 Turnover Ratios

3 Term Loan Appraisal

Introductory Class on Credit - Class 1 - Role of Credit Officer, KYC, Due Diligence

Important Class - Govt. Schemes MUDRA, PMEGP, CGTMSE

Important Class - MSME, Types of Lending, Methods of Lending

Important Class - Credit Appraisal , Documentation

Class - MSME - Classification, Legal Entity Identifier, CERSAI, CIN, DIN

Class - Project Appraisal/Term Loan Appraisal Part 1

Class - Priority Sector Lending

Credit Monitoring

Class on Credit - Balance Sheet - Credit Monitoring/SMA/Guarantees

Class on Credit - Components of Balance Sheet - How to draw a Balance Sheet

Class on Credit - Components of Balance Sheet

Class - PMEGP - CGTMSE

Class - Provision Norms

Class - LokAdalat - DRT - SARFAESI - CERSAI

Class on Credit - Working Capital Cycle, DPG, Capital Structure

Class - Priciples of Sound Lending

Class - Components of Balance Sheet

Class - Trading Account & Profit and Loss Account

Class - Role of Banks in Economy

General Information - Part 1

21 attachments • 39 mins

Overview of the credit manager position

Responsibilities and duties of a credit officer

Role of credit officers in monitoring loans

Components of Balance Sheet

Concepts of Profit

RAM Lending - Retail Agriculture MSME Lending

Retail Lending

Agriculture Lending

MSME Lending

Cluster financing

Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises (MSMEs)

Trade Receivables Discounting System (TReDS)

Credit Assessment and Analysis

Overview of credit policies

Understanding the credit assessment process

Analyzing borrower's financial statements

Evaluating creditworthiness and risk

Assessing collateral and security

Credit risk management techniques

Identifying early warning signs of default

Managing loan repayments

General Guidelines - Part 2

15 attachments • 26 mins

Asset Liability Management (ALM)

CERSAI

ASSET RECONSTRUCTION COMPANY (ARC)

Red Flagged Accounts

CENTRAL FRAUD REGISTRY

Corporate Insolvency Resolution Process (‘CIRP’)

Peer to peer lending

Central Repository of Information on Large Credits

Legal Entity Identifier

Red Flagged Accounts

First Loss Default Guarantee (FLDG)

Accounting Standards

Data Analytics & Banking

PM Vishwakarma Scheme

Stand Up India Scheme

Types of Borrowers & Types of Credit Facilities

4 attachments • 7 mins

Types of Borrower

Introduction

Individual

Proprietory Firms

Credit Appraisal for Term Loans

9 attachments • 12 mins

Introduction

Types of Projects

Appraisal of Projects

Technical Appraisal

Commercial Appraisal

Management Appraisal

Appraisal of Legal Matters

Environmental Analysis

Financial Appraisal

Introduction to Credit Officer Role

3 attachments • 3 mins

Overview of the credit officer position

Responsibilities and duties of a credit officer

Skills and qualifications required for the role

Components of Balance Sheet

2 attachments • 6 mins

Balance Sheet

Concepts of Profit

Retail Agriculture MSME (RAM) Banking

7 attachments • 13 mins

Retail Lending

Agriculture Lending

MSME Lending

Cluster financing

Credit Guarantee Fund Trust Scheme for MSEs

Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises (MSMEs)

Trade Receivables Discounting System (TReDS)

Credit Assessment and Analysis

6 attachments • 11 mins

Understanding the credit assessment process

Analyzing borrower's financial statements

Evaluating creditworthiness and risk

Assessing collateral and security

Using financial ratios and credit scoring models

Credit risk management techniques

Loan Documentation and Legal Aspects

6 attachments • 11 mins

Types of loan documents and legal agreements

Understanding loan terms and conditions

Executing loan agreements

Importance of legal due diligence

Loan documentation checklist

Handling legal disputes and loan defaults

Loan Disbursement and Monitoring

6 attachments • 12 mins

Loan disbursement process

Modes of disbursement

Role of credit officers in monitoring loans

Managing loan repayments

Identifying early warning signs of default

Implementing loan recovery strategies

Credit Policies and Risk Management

6 attachments • 12 mins

Overview of credit policies

Developing credit risk management frameworks

Creating risk assessment models

Effective credit risk mitigation strategies

Strategies for managing non-performing assets

Compliance with regulatory requirements

Important Topics

4 attachments • 7 mins

Central Repository of Information on Large Credits

Legal Entity Identifier

Red Flagged Accounts

First Loss Default Guarantee (FLDG)

Emerging Trends in Banking

8 attachments • 14 mins

Digital Banking

Blockchain & Banking

Artificial Intelligence & Banking

Data Analytics & Banking

Accounting Standards

IFRS

Internet of Things (IoT)

Use of Internet of Things (IoT) in Banking