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This course aims to provide a strong foundation in credit management, preparing bankers to make sound credit decisions, manage risks effectively, and operate ethically in the financial industry. Participants will gain practical
knowledge and skills that are directly applicable to their roles within banking institutions.
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• Entry-Level Banking Employees: Recent graduates or individuals new to the banking industry looking to develop a
strong foundation in credit management can use this course to kickstart their careers.
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Introduction to Banking and Credit Management
• Historical background of banking
• Role and importance of credit in banking
• Basic terminology in banking and credit management
Principles of Credit
• The five C's of credit: Character, Capacity, Capital, Collateral, and Conditions
• Importance of credit assessment
Understanding the Borrower
• Types of borrowers: Individuals, businesses, governments
• Customer profiling and credit scoring
• Assessing borrower's creditworthiness
Loan Products and Facilities
• Overview of various loan products: Personal loans, mortgages, auto loans, commercial loans, etc.
• Structured finance and syndicated loans
• Overdrafts and revolving credits
The Credit Process
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• By the end of the of this program, participants will be able to:
• Apply the five C's of credit (Character, Capacity, Capital, Collateral, and Conditions) to assess borrower creditworthiness and make informed lending decisions.
• Analyse and differentiate between various loan products and facilities offered by banks.
• Demonstrate proficiency in the credit process, from loan origination to disbursement and monitoring.
• Employ risk management techniques to reduce credit risk and enhance portfolio quality.
• Accurately price loans considering various factors, ensuring competitiveness and profitability for the bank.
• Implement effective credit monitoring and control measures to prevent and manage non-performing loans.
• Navigate and adhere to banking regulations and compliance requirements, mitigating legal risks.
• Understand the implications of technological
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