• Principles of lending in a bank and financial institutions
Concept of productive lending
Character quality
Repayment prospects
On - going credit control
Credit protection
Proportionate stake
• The 5 – C frame work in credit assessment
Character of the borrower
Condition of the borrower
Cash flow for payback
Capital and commitment
Collateral for protection
• Understanding financial information
Information risk
The financial statements
Information verification
• Common financial services products
Short term lending products
and their features
Long term lending products
and their features
• Basic lending documentation
Loan application form
Letter of offer
Loan agreement
Security agreement
Guarantee agreement
Course Description
This course is
designed for new banking executives to equip them with the initial knowledge
and understanding of credit and lending in a financial institution environment. New officers joining
the credit function are expected to be prepared with working knowledge that
would enable them to reduce their orientation and departmental training on
credit concepts and loan processing requirements. This saves management time
and resources while accelerating their work contribution in credit related work.
Course requirement
Upon satisfactory completion of the assessment and examination, the certificate holder will have acquire a working knowledge of the credit process and will be able to undertake basic loan processing duties and work responsibilities. The certificate holder will ready for duties relating to review of credit applications and loan documentation at an entry level as a credit or loan processing officer, or as a support executive in the credit function of the bank or financial institution.
What am I going to get from this course?
Delivery Method
Self-paced online learning through the ANZI learning
management system (6 months)
Assessment
Online assessment
Certificate of
attainment awarded for achieving satisfactory score
Information & Suggestion
New credit officers and management trainees who are designated for
junior credit related roles in the credit and loans department or function
Learning Objectives
To understand the credit and lending environment
To conduct a practical review of credit risk of a loan
application
To identify information requirements for loan
processing purposes
To understand common lending products and their
features
To understand basic
loan documentation in credit and lending.
LESSONS
SECTION 1 :
Certificate in Basic Credit & Lending : Study Material
1.1
Introduction & Principles of Lending
1.2
The 5C frame work
1.3
Financial information for analysis Part 1
1.4
Financial information for analysis Part 2
1.5
Common financial services products
1.6
Basic lending documentation
1.7
Review Questions
1.8
Proceed
MCQ Exams
1
Certificate in Basic Credit & LendingProceed
Find Us
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Location
Suite 203 Level 2 No. Chatswood New South Wales 2067 Australia
Phone: AUS) / SEA)
ANZi / FiNET Team
