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Certificate in SME Lending

The banking and financial services sector is one of the fastest growth sectors in the economy. As businesses grow across the economy, more financial resources are required to fund additional or new industrial infrastructure, asset acquisitions, adoption of new technologies and market building activities.

Beginner 0(0 Ratings) 322 Students Enrolled
Created By ANZi / FiNET Team Last Updated Fri, 08-Nov-2019 English
What Will I Learn?
  • To understand the business lending environment
  • To conduct a practical analysis of the credit risk of a loan proposal .
  • To develop a loan structure to serve both the borrower and lender
  • To understand the process of loan monitoring and credit risk management.
  • To propose actions required for credit risk management.

Curriculum For This Course
50 Lessons 06:31:21 Hours
SME Lending : Study material
50 Lessons 06:31:21 Hours
  • SMELENDING SCHOOL Introduction 00:04:18
  • SMELENDING SCHOOL lecture 1 00:06:46
  • SMELENDING SCHOOL lecture 2 00:07:26
  • SMELENDING SCHOOL lecture 3 00:04:09
  • SMELENDING SCHOOL lecture 4 00:04:46
  • SMELENDING SCHOOL lecture 5 00:10:58
  • SMELENDING SCHOOL lecture 6 00:10:37
  • SMELENDING SCHOOL lecture 7 00:08:03
  • SMELENDING SCHOOL lecture 8 00:06:17
  • SMELENDING SCHOOL lecture 9 00:05:17
  • SMELENDING SCHOOL lecture 10a 00:07:06
  • SMELENDING SCHOOL lecture 10b 00:06:40
  • SMELENDING SCHOOL lecture 11 00:09:43
  • SMELENDING SCHOOL lecture 12a 00:09:25
  • SMELENDING SCHOOL lecture 12b 00:07:26
  • SMELENDING SCHOOL lecture 13 00:10:23
  • SMELENDING SCHOOL lecture 14a 00:10:23
  • SMELENDING SCHOOL lecture 14b 00:07:25
  • SMELENDING SCHOOL lecture 15a 00:10:57
  • SMELENDING SCHOOL lecture 15b 00:11:19
  • SMELENDING SCHOOL lecture 16 00:13:56
  • SMELENDING SCHOOL lecture 17a 00:02:47
  • SMELENDING SCHOOL lecture 17b 00:10:23
  • SMELENDING SCHOOL lecture 17c 00:07:38
  • SMELENDING SCHOOL lecture 18a 00:10:09
  • SMELENDING SCHOOL lecture 18b 00:11:15
  • SMELENDING SCHOOL lecture 18c 00:06:49
  • SMELENDING SCHOOL lecture 18d 00:06:23
  • SMELENDING SCHOOL lecture 19a 00:06:57
  • SMELENDING SCHOOL lecture 19b 00:08:48
  • SMELENDING SCHOOL lecture 20a 00:06:54
  • SMELENDING SCHOOL lecture 20b 00:08:50
  • SMELENDING SCHOOL lecture 21a 00:03:29
  • SMELENDING SCHOOL lecture 21b 00:09:13
  • SMELENDING SCHOOL lecture 21c 00:06:52
  • SMELENDING SCHOOL lecture 22 00:10:44
  • SMELENDING SCHOOL lecture 23a 00:06:20
  • SMELENDING SCHOOL lecture 23b 00:05:29
  • SMELENDING SCHOOL lecture 23c 00:07:53
  • SMELENDING SCHOOL lecture 23d 00:04:22
  • SMELENDING SCHOOL lecture 24a 00:07:43
  • SMELENDING SCHOOL lecture 24b 00:05:48
  • SMELENDING SCHOOL lecture 24c 00:05:01
  • SMELENDING SCHOOL lecture 25a 00:08:01
  • SMELENDING SCHOOL lecture 25b 00:08:19
  • SMELENDING SCHOOL lecture 26a 00:08:22
  • SMELENDING SCHOOL lecture 26b 00:09:17
  • SMELENDING SCHOOL lecture 27a 00:08:30
  • SMELENDING SCHOOL lecture 27b 00:08:12
  • SMELENDING SCHOOL - Review 00:07:33
Requirements
  • Program description this is a special skills development program for all banking officers involved in assessing and recommending loans and credit facilities to small and medium size enterprises in the country’s economy.
  • The SME segment forms a very large part of the national economy..
  • The SME businesses collectively form more than 95% of the total number of businesses in most economies.
  • As a result lending opportunities are abundant but there are higher risks as well.
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Description
The banking and financial services sector is one of the fastest growth sectors in the economy. As businesses grow across the economy, more financial resources are required to fund additional or new industrial infrastructure, asset acquisitions, adoption of new technologies and market building activities.

Many of the participants in the national economy are smaller to medium sized business organizations which need credit and lending support. The SME sector is important to any country as it typically generates more than 60% of the country’s GDP and contributes to 80% of the national employment. In view of this, governments and politicians are always seeking avenues to encourage bank lending to these SME businesses. At the same time the SME sector provides the main opportunity for the banks to achieve asset growth as the SME businesses have the potential to expand under competent management and corporate leadership. The SME businesses of today may potentially become the next generation of large corporations of the country in the next 10 years.

However, SME lending requires higher order skills in recognizing crucial risks and for analyzing the potential for credit exposure, structuring loan packages and managing default risk over the life of each loan exposure. All these skills are part of the necessary competencies of the banking and credit department of a bank or lending institution, and it may will be necessary for bank executives in credit marketing and loan risk management roles.

The Certificate in SME Lending is a structured course of learning the credit and loan decision processes and credit risk management which is crucial to successful banking operations. Unlike large corporate lending to established organizations, SMEs have weaknesses and special characteristics that require a different set of skills and understanding to manage the lending risk in the bank or financial institution.

It is recommended that all bank staff involved in credit marketing, processing, loan monitoring and internal audit acquire a working knowledge of SME lending for personal effectiveness as a lending officer. For the bank and lending institution, SME lending skills are also an integral part of the banking business and credit risk management.

Targeted Audience
  • Credit officers who market and process all business and corporate loans, particularly those focused on lending to small and medium enterprises 
  • Banking executives who are in the loan monitoring function or internal audit operations (credit).
Delivery Methods
Self-paced online learning through the ANZI learning management system (6 months)

Online assessment
Certificate of attainment awarded for achieving satisfactory score

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Includes:
  • 06:31:21 Hours On Demand Videos
  • 50 Lessons
  • 6-months Access
  • Access On Web & Mobile Apps
  • Certificate