What Is The Aim Of This Course?
Risk portfolio management
skills are a basic requirement for a thoroughbred banker with
lending being a key aspect of the business of banking. Inappropriate
lending and risk management practices can lead to the failure of
banks. The importance of ensuring that credit proposals initially
appraised as good, remain so over the agreed tenure through the
adoption of best practice strategies, cannot be over-emphasized.
This course thus aims to build such vital skills in participants
through a carefully structured programme, geared towards creating a
high level of awareness of the implications of bad loans on the very
survival of financial institutions. It also highlights practical
measures, which can be deployed to ensure healthy, balanced, and
profitable risk asset portfolios.
Who Is It For?
Ideally suited for
practitioners with a keen interest in the repercussions of the
credit decision on financial performance and profitability of their
institutions. Middle and senior level non-finance executives who sit
on credit committees, credit officers, officers involved in
corporate finance, risk asset portfolio audit, supervision and
inspection within the banking and corporate sectors. It is well
suited for managers of bank branches and micro finance institutions,
including the rural banks and savings and loans companies. Officers
who manage the treasury, borrowing and receivables management
activities of private sector firms would find this course useful.
What Will You Learn?
Introduction To Credit
Monitoring, Supervision & Audit
•
The conceptual framework for the monitoring, supervision, audit and
audit of the credit portfolio
•
Credit monitoring tools and techniques
Implications & Management of Loan Portfolios
•
Management of the risk asset portfolio
•
Problem loan accounts: Identification and Management
•
Work out strategies for non-performing risk assets
•
Bank income recognition and asset classification norms
•
Strategies for the recovery of overdue credit facilities
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What is the aim of this course?
To
resource participants with the requisite skills and knowledge to
create and manage a healthy credit portfolio through the adoption of
preventive credit management strategies. In the end, the
effectiveness of these decisions should reflect in healthier balance
sheets and improved profitability resulting from a reduction in bad
debt provisioning levels.
Who is it for?
This is
a course for persons with an understanding of the basic principles
of credit management. Ideally suited for practitioners with a keen
interest in the repercussions of the credit decision on financial
performance and profitability of their institutions. Middle and
senior level non-finance executives who sit on credit committees,
credit officers, officers whose responsibilities require robust
applications of financial analysis, credit analysis and management,
corporate finance, risk asset portfolio audit, supervision and
inspection within the banking and corporate sectors. It is well
suited for managers of bank branches and micro finance institutions
including the rural banks and savings and loans companies. Officers
who manage the treasury, borrowing and receivables management
activities of private sector firms would find this course
instructive.
What will you learn?
Developing a framework for credit risk assessment
• Credit risk policy, assessment and analysis
• Analysis of business risk assessment
• Credit product development
• Strategic issues in credit delivery
Risk Asset Portfolio Management
• Credit monitoring & MIS
• Management of the current (active) credit portfolio
• Management of problem loans and advances
Understanding the importance of credit on the survival of financial
institutions
• Loan pricing
• Income recognition and loan classification under prudential
banking norms
Appreciating the ethical and international issues in credit
• Financing and management of international trade-related credit
risks
• Ethics in credit management |
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