Institute Agenda :-
Study Materials ,Bag , ID Card Provide & Course Non - Semester Pattern. Exam Scheduled July/August Month, Before 2 Months informed to Exam Appear students for their Hall Ticket Register.
(Note: Anytime agenda can change on the Management Basis.)
Learning Mode:- (Selection Type)
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Type
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Learning Mode
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Classes Schedule & Timing
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1
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For Regular Learning
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Timing 10 AM to 3PM
(Sunday/Govt & Local Holiday – Holiday)
[All Health Courses Applicable for Regular]
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2
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For Part-time Learning
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Saturday Only (Timing 10AM to 4PM)
[Note: Health Dept Course only ]
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3
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For Distance Learning
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Sequencely 7 days classes – only
(Timing 10AM to 4 PM)
[Note: Except Health Dept Course]
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4
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For Online Learning
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Zoom Class (Monday to Friday)
& Meeting Discuss ( Timing 11 AM to 1PM)
[Note: Except Health Dept Course]
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Course Overview:
These programs train individuals for roles in banks, credit card companies, and rating agencies by teaching them to analyze a borrower's ability to repay loans and other credit. Core skills learned include strong analytical, financial, and problem-solving abilities, as well as a keen eye for detail.
Course Responsibilities:-
- Financial analysis: Evaluate financial statements (e.g., balance sheets, income statements), credit history, and assets to determine a borrower's ability to repay.
- Risk assessment: Identify and assess the level of risk involved in extending credit, considering factors like market trends, economic indicators, and industry-specific factors.
- Recommendation and decision support: Make recommendations to lenders on whether to approve a loan or credit line, and help determine terms like interest rates and repayment plans.
- Reporting and documentation: Prepare detailed reports that summarize findings, often using charts and graphs, for internal stakeholders and clients.
- Compliance: Stay informed about and ensure all lending activities comply with relevant government policies, regulations, and internal protocols.
- Monitoring and maintenance: Monitor existing borrowers' creditworthiness and review loan portfolios to identify potential issues or fraud.
Communication and client interaction
- Client communication: Gather information from borrowers by asking questions and answering their inquiries about the loan application process.
- Internal collaboration: Work with other departments within an organization to ensure effective risk management.
- Presentation: Present findings and recommendations to managers and company executives
Course Curriculum Components:
- Introduction to Credit Analysis:
- The role and importance of a credit analyst
- Fundamental principles of credit analysis, including the "Five Cs" (Character, Capacity, Capital, Conditions, and Collateral)
- Types of credit and borrowers (corporate, consumer, SME)
- Financial Statement Analysis:
- Reading and interpreting balance sheets, income statements, and cash flow statements
- Performing ratio analysis (liquidity, profitability, solvency, etc.)
- Identifying financial red flags and warning signs
- Credit Risk Assessment:
- Techniques for evaluating a borrower's creditworthiness
- Using credit scoring models (e.g., Altman Z-Score)
- Understanding the impact of industry, market, and economic factors
- Loan Structuring and Documentation:
- Principles of structuring loans and different loan types
- Key elements of loan agreements and legal documentation
- Using covenants, pricing, and fees to manage risk
- Risk Management and Mitigation:
- Strategies for mitigating credit risk, such as collateral, guarantees, and insurance
- Ongoing credit risk monitoring and review processes
- Techniques for managing problem loans
- Credit Risk Modeling:
- Overview of credit risk models
- Developing credit risk scorecards (sometimes using tools like SAS)
- Job Opportunities: roles like credit analyst, credit adjudicator, and loan officer. With experience, you can advance to senior roles such as credit manager, portfolio manager, or financial manager, or transition into areas like risk management or corporate finance.
- Features of the Course:
During Training Period, OJT at Hospitals/Industrial/Companies
(If applicable courses only)
Placement Guidance:
Those who are Regular and Part time candidate Assurance the Placement 100% throughout India based on the candidates and other online and distance Candidates. We will guide to the Placement and based on the Candidate’s willing.
- Further Clarification Contact: 88701 91125 , 96299 01300 , 73582 18375
