Welcome to Banking Quest
A customized retail credit certification program for credit underwriting team managing group loan
(micro finance loan), small business agri loans (individual loans, PSL loans etc.)
Basics of Credit and the Credit Landscape in India link arrow_drop_down
- Introduction to credit and its importance in banking
- Overview of the credit landscape in India
- Definition of risk and understanding credit risk
- Components and measurement of credit risk: Loss, PD, EAD, LGD
- Introduction to bank lending and due diligence
Types of Borrowers and Assessment Techniques link arrow_drop_down
- Types of borrowers: Major, Minor, Married woman, HUF, LLP, Companies
- Assessment techniques for different types of borrowers
- Assessing business performance: Micro and macro conditions
- Credit appraisal for term loans and working capital financing
Priority Sector Lending and Reforms link arrow_drop_down
- Overview of priority sector lending (PSL)
- Reforms in PSL
- Credit appraisal for priority sector lending
- PSL categories: Agri, MSME, SJSRY, Micro
- Case studies and examples of PSL in practice
Consumer Credit Framework and the Five C’s of Credit link arrow_drop_down
- Introduction to consumer credit framework
- The Five C’s of Credit: Character, Capacity, Capital, Collateral, Conditions
- Assessing the future ability and willingness to pay
- Challenges in unsecured lending
Retail Asset Products link arrow_drop_down
- Overview of different retail asset products
- Home loans: Assessment and credit appraisal
- Vehicle loans: Assessment and credit appraisal
- Loan Against Property (LAP): Assessment and credit appraisal
- Affordable housing finance for weaker sections
Retail Credit Due Diligence and Portfolio Monitoring link arrow_drop_down
- Principles and procedures of retail credit due diligence
- Essential documents required for due diligence
- Understanding CIBIL reports and the importance of CIBIL scores
- Analyzing bank statements for credit assessment
- Retail credit portfolio monitoring techniques
Financial Statement Analysis link arrow_drop_down
- Understanding financial statements: CA, CL, P&L, Balance sheet, cash flow statement
- Techniques for analyzing financial statements
- Classification of assets and liabilities
- Practical exercises and case studies
Credit Monitoring and Early Warning Signs link arrow_drop_down
- Credit monitoring techniques and best practices
- Identifying and interpreting early warning signs
- Strategies for managing credit risk proactively
- Case studies on early warning sign identification
Management of NPA and Recovery link arrow_drop_down
- Understanding Non-Performing Assets (NPA)
- Strategies for NPA management and recovery
- Collection and recovery processes in retail credit
- Case studies on NPA management and successful recovery strategies
Get Your Certificate link arrow_drop_down
Ratings & Reviews
4.68 average based on 15878 reviews.
Ratings Distribution:
purnachandra sahoo
Prakash Gogoi
Varun Gulati
Rinky Ghosh
Jayanta Kakati
SYMANTA Das
Nirupam Roy
Anjan Deka
Jayanta Gogoi
Mukut Baruah
Salauddin Ahmed
Pranab Das
Sunmoni Hazarika
Salauddin Ahmed
PADMALOSON BARMAN
Shibu Das
Varun Gulati
Nirupam Roy
Pranab Das
Uzzal Konwar