Training Course: Intermediate Credit Appraisal and Processing

Introduction

The Intermediate Credit Appraisal and Processing course is designed to provide participants with a comprehensive understanding of the modern and advanced techniques and concepts related to credit appraisal and processing. This course aims to equip participants with the necessary knowledge and skills to effectively assess the creditworthiness of borrowers, analyze financial statements, evaluate risks, and process credit applications. By the end of the course, participants will have a solid foundation in credit appraisal and processing, enabling them to make informed credit decisions.

Objectives

• Understand the role and importance of credit appraisal and processing in financial institutions.
• Gain knowledge of advanced credit appraisal techniques and concepts.
• Develop skills to analyze financial statements and assess the creditworthiness of borrowers.
• Learn how to evaluate different types of risks associated with credit transactions.
• Understand the legal and regulatory framework governing credit appraisal and processing.
• Acquire knowledge of best practices in credit application processing.
• Explore techniques for managing credit portfolios effectively.

Course Outline

Day 1

 Introduction to Credit Appraisal and Processing

• Role and importance of credit appraisal and processing
• Overview of the credit appraisal process
• Key stakeholders involved in credit appraisal
• Legal and regulatory framework for credit appraisal

Day 2

 Financial Analysis for Credit Appraisal

• Understanding financial statements
• Ratio analysis and its application in credit appraisal
• Cash flow analysis and its significance
• Assessing the creditworthiness of borrowers

Day 3

 Credit Risk Assessment

• Types of credit risks
• Quantitative and qualitative methods for credit risk assessment
• Industry and business risk analysis
• Collateral evaluation and risk mitigation

Day 4

 Credit Application Processing

• Documentation requirements for credit applications
• Credit scoring models
• Credit decision-making process
• Credit approval and disbursement procedures

Day 5

 Credit Portfolio Management

• Monitoring and tracking of credit exposures
• Early warning signals and remedial measures
• Loan recovery and restructuring
• Techniques for managing credit risk in a portfolio