Bank Branch Management - Advances - Online

This e-learning course is designed to help users understand the overview of credit function of a bank, various types of loans and advances by a bank. An in-depth discussion of procedure of lending different types of accounts by a bank branch is provided. Further, the course also highlights on financial analysis for lending, different securities provided for loans and advances, and asset categorization by banks based on their performance.

This is an asynchronous eLearning course that can be accessed 24/7 from any internet enabled computer.

Available TodayOnlineUSD$100
Instructional Method:
Self-Study
Level: Basic
CPE Credits: 14

Those who are interested in understanding the operations of a bank branch with respect to loans and advances.
Students will be able to:
  • Understand the procedure of lending in a bank
  • Discuss various types of loans and advances by a bank
  • Understand the principles and practice of lending
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    • Overview of Credit Function
    • The main parameters of classifying bank credit
    • The main parameters of classifying bank credit
    • Various stages of the life cycle of bank credit
    • The essential features of each stage of the life cycle

    Principles and Practice of Lending

    • The meaning of bank lending
    • The types of risks in bank lending
    • The main principles of bank lending
    • The due diligence of proposal
    • The risk rating analysis of applicant and assess the need and quantum of credit

    Financial Analysis for Lending

    • The meaning of financial analysis
    • The types of financial analysis
    • The meaning of ratio analysis and different kinds of ratios
    • Each ratio and its implications
    • The meaning and mechanics of cash flow analysis

    Securities for Lending

    • The importance of assignment as a mode of transfer of interest in securities
    • The attributes and importance of guarantees
    • The precautions to be taken while issuing guarantees
    • The importance, attributes, and classification of securities for bank credit
    • The main forms of charges and security creation
    • The main requirements of mortgage creation as a bank security
    • The attributes of different kinds of mortgage
    • The main advantages and disadvantages of mortgage

    Credit Documentation and Sanctioning

    • The meaning and need for documentation
    • The contents of a loan document
    • The process of documentation
    • The classification of documents
    • The elements of execution and execution by different entities
    • The credit sanctioning process
    • The delegation of financial powers
    • The contents of loan policy and loan agreement

    Credit Monitoring and Loan Recovery

    • Importance of follow up/monitoring of credit at the branch and other levels of the bank
    • Various tools and modalities of physical and financial follow-up of credit, specially at the branch level
    • Need and modality of annual review/renewal of credit
    • Personal liabilities of the guarantor and principal debtor
    • Exercising rights of set off in certain cases

    Asset Categorization

    • The norms for asset classification and income recognition
    • Meaning and classification of a non-performing assets (NPAs)
    • Meaning and causes of sickness in business units
    • Basics of an NPA management
    • The principles and procedures of rescheduling loans and compromise settlements
    • The principles and procedure of write-off

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