Factors affecting the Creditor ability& Willingness to Grant loans and credit facilities.

• Internal Factors
• External Factors

Credit Officer Role

• Required Effort
• Credit Officer Characteristics

Credit Basics

• Financial Status of borrower
• Legal Status of borrower
• Amount-Purpose-Source of Repayment-Collateral..

Concept of Credit Risks

• Risk Assessment& Management
• Types of Risks
• Basel Approach to Credit Risk
• Ways to reduce Credit Risk

Transaction Structuring

• Structuring Process
• Asset Conversion Cycle
• Operating Cycle & Credit Gap

Types of Facilities

• Direct facilities
• Indirect facilities

Documenting Facilities & Guarantees

• Loan Agreement
• Specification of Acceptable Collateral
• Types of Collateral

Credit Administration & Credit Control

• Control over granting & Renewal of Credit
• Monitoring the use of credit
• Monitoring the covenants
• Monitoring the Collateral
• Monitoring total Facilities Portfolio

Rating Debt

• Treatment of bad debt
• Retail Credit Products

• Bank facilities
• Credit basics
• Dealing with bad debts
• Risk assessment and management

Fundamentals of Banking Credit training course will be carried out through the use of best practices and the right combination of engaging and purposeful tools such as:

• Practice Fundamentals of Banking Credit
• Presentation and discussions
• Questions and inquiries
• Practical applications
• Case Study
• Working groups and displaying results
• Training films related Fundamentals of Banking Credit
• Appropriate individual and group mental activities and competitions
• Self-evaluation
• Final projects

The employees assigned to deal with bank credit, and those who are intended to be qualified for this purpose.