Description
An overview on credit appraisal process
INDIAN INSTITUTE OF BANKING & FINANCE
( ISO 9001:2008 Certified )
PROGRAMME
on
“CREDIT APPRAISAL”
(Industrial and Commercial Advances)
From 22
nd
July to 26
th
July, 2013
Venue:
Leadership Center,
Indian Institute of Banking & Finance,
Kohinoor City, Commercial II, Tower 1, 3
rd
floor,
Off LBS Marg, Kirol Road,
Kurla (W), Mumbai – 400070.
Website: www.iibf.org.in
For Details & Nomination, please contact:
Dr. T.C.G.Namboodiri
Joint Director (Faculty)
Phone: +91-22-25040175
Mobile :+91 99203 78486
Email: [email protected]
PROGRAMME on “CREDIT APPRAISAL”
(Industrial and Commercial Advances)
BACKGROUND
During its 84 years of service, IIBF has emerged as a premier institute in banking and finance
education. Considering the emerging requirements of the bankers in the ever changing dynamic
environment, IIBF has started providing training programmes in selected areas. IIBF has world
class training facilities at its Leadership center.
PURPOSE
The program on “Credit Appraisal” (Industrial and Commercial advances) envisages
competence building among the participants by improving their appraisal skill and enhancing
their knowledge level. The program takes the participants through logical journey right from
collection and scrutiny of loan application to the credit decision making, with emphasis on
interactions, group discussions, sharing of experience and exercises, apart from the traditional
training methods. During the course of the Program, the participants are taken through the
entire gamut of the credit appraisal process enabling them, to return to their work place with
added confidence in handling credit proposals. This program has been designed taking in to
account the bankers need in the area of credit.
OBJECTIVES
• To improve the knowledge and skill in credit appraisal.
• To have comprehensive understanding covering the entire gamut of credit appraisal.
• To develop professional credit officials to man the credit department of the banks.
CONTENT OVERVIEW
• Lending guidelines – Regulatory guidelines and Loan policies
• Market information – Gathering market information, Credit rating, external rating
agencies - credit report preparation
• Management Appraisal and Technical appraisal
• Financial appraisal
• Financial statement analysis, ratio analysis, break even analysis, fund flow and cash
flow analysis
• CMA data analysis
• Working capital assessment, different methods of WC assessment
• Assessment of non fund based limits
• Term Loan appraisal and assessment
• Credit Committee discussion
• Process note presentation
• Credit decision making- Different situations in decision making. Role of head and heart
in credit decisions
METHODOLOGY
Case Studies, exercises, group discussions, presentations and sharing of experiences.
TARGET GROUP
Officers/Managers handling or identified for handling Credit Portfolio and Trainers.
DURATION
From 22
nd
July to 26
th
July 2013 (5 Days). The Programme commences at 9.30 AM on 22
nd
July,
2013
VENUE
Leadership Center,
Indian Institute of Banking & Finance,
Kohinoor City, Commercial II, Tower 1, 3
rd
floor,
Off LBS Marg, Kirol Road, Kurla (W),
Mumbai – 400070.
FEE
Rs.15,000/- per participant plus service tax @12.36% i.e. Rs.1854/- aggregating to Rs.16854/-
(In case of TDS deduction, please send us TDS certificate)
Programme fees may be remitted to the credit of Institute’s account with Bank of
Baroda, details of which are given below:
Name of the Bank branch: Bank of Baroda, Kurla (West).
Account no: 19750200000806 IFSC code: BARB0KURLAX(0 is zero)
(PAN No: AAATT3309D and Service Tax No. AAATT3309DSD002)
The programme is Non residential.
In case the participants require, the Institute, on specific request, will arrange for stay in
Kohinoor Elite (A new hotel within 5 minutes walking distance from the Institute) at an all
inclusive price of `5500/- per day plus taxes for double occupancy and `4,500 plus taxes for
single occupancy. The rates are only for IIBF trainees and include breakfast, lunch, evening tea
and dinner. Four hour internet and free laundry for four pieces of clothing is complimentary.
For further details and nomination kindly contact :
Programme Co-ordinator
Dr. T.C.G.Namboodiri Dr.Rekha Rani Singh
Joint Director (Faculty) Joint Director (Marketing & Administration)
Phone: +91-22-25040175 Phone:+91-22-25040063
Mobile :+91 99203 78486
Email: [email protected] Email: [email protected]
INDIAN INSTITUTE OF BANKING & FINANCE
( ISO 9001:2008 Certified )
Kohinoor City, Commercial II, Tower 1, 3
rd
floor,
Off LBS Marg, Kirol Road,
Kurla (W), Mumbai – 400070.
NOMINATION FORM
Programme Title: Credit Appraisal (Industrial and Commercial Advances)
Date: From 22
nd
to 26
th
July, 2013 Programme Type: Non Residential
THE PARTICIPANTS NOMINATED:
Sl.
No
Name (Mr./Ms./Mrs.) Designation Branch/
Office
Mobile No.and
Land Line No.
E-mail
1
2
3
4
Bank/Organisation: ______________________________________________________
Address:_______________________________________________________________
___________________________________________________ Pin Code: __________
Phone: ______________Fax: _____________ E-mail: ________________________
Fee: Rs.15,000/- per participant plus service tax @12.36% i.e. Rs.1854/- aggregating to
Rs.16854/-(In case of TDS deduction, send us TDS certificate)
Programme fees may be remitted to the credit of Institute’s account with Bank of
Baroda, details of which are given below:
Name of the Bank branch: Bank of Baroda, Kurla (West).
Account no: 19750200000806 IFSC code: BARB0KURLAX(0 is zero)
(PAN No: AAATT3309D and Service Tax No. AAATT3309DSD002)
Kindly narrate: Programme name; date “from .......to”; number of participant
Please send your nominations at the earliest to:
Email: drnamboodiri @iibf.org.in
Dr. T.C.G.Namboodiri
Joint Director – (Faculty) Phone : +91-22-25040175
Indian Institute of Banking & Finance, Fax : +91-22-25037332
Kohinoor City, Commercial II, Tower I,
3rd Floor, Off LBS Marg, Kirol Road,
Kurla (W),Mumbai- 400070
Mobile : +91-99203 78486
doc_977384401.pdf
An overview on credit appraisal process
INDIAN INSTITUTE OF BANKING & FINANCE
( ISO 9001:2008 Certified )
PROGRAMME
on
“CREDIT APPRAISAL”
(Industrial and Commercial Advances)
From 22
nd
July to 26
th
July, 2013
Venue:
Leadership Center,
Indian Institute of Banking & Finance,
Kohinoor City, Commercial II, Tower 1, 3
rd
floor,
Off LBS Marg, Kirol Road,
Kurla (W), Mumbai – 400070.
Website: www.iibf.org.in
For Details & Nomination, please contact:
Dr. T.C.G.Namboodiri
Joint Director (Faculty)
Phone: +91-22-25040175
Mobile :+91 99203 78486
Email: [email protected]
PROGRAMME on “CREDIT APPRAISAL”
(Industrial and Commercial Advances)
BACKGROUND
During its 84 years of service, IIBF has emerged as a premier institute in banking and finance
education. Considering the emerging requirements of the bankers in the ever changing dynamic
environment, IIBF has started providing training programmes in selected areas. IIBF has world
class training facilities at its Leadership center.
PURPOSE
The program on “Credit Appraisal” (Industrial and Commercial advances) envisages
competence building among the participants by improving their appraisal skill and enhancing
their knowledge level. The program takes the participants through logical journey right from
collection and scrutiny of loan application to the credit decision making, with emphasis on
interactions, group discussions, sharing of experience and exercises, apart from the traditional
training methods. During the course of the Program, the participants are taken through the
entire gamut of the credit appraisal process enabling them, to return to their work place with
added confidence in handling credit proposals. This program has been designed taking in to
account the bankers need in the area of credit.
OBJECTIVES
• To improve the knowledge and skill in credit appraisal.
• To have comprehensive understanding covering the entire gamut of credit appraisal.
• To develop professional credit officials to man the credit department of the banks.
CONTENT OVERVIEW
• Lending guidelines – Regulatory guidelines and Loan policies
• Market information – Gathering market information, Credit rating, external rating
agencies - credit report preparation
• Management Appraisal and Technical appraisal
• Financial appraisal
• Financial statement analysis, ratio analysis, break even analysis, fund flow and cash
flow analysis
• CMA data analysis
• Working capital assessment, different methods of WC assessment
• Assessment of non fund based limits
• Term Loan appraisal and assessment
• Credit Committee discussion
• Process note presentation
• Credit decision making- Different situations in decision making. Role of head and heart
in credit decisions
METHODOLOGY
Case Studies, exercises, group discussions, presentations and sharing of experiences.
TARGET GROUP
Officers/Managers handling or identified for handling Credit Portfolio and Trainers.
DURATION
From 22
nd
July to 26
th
July 2013 (5 Days). The Programme commences at 9.30 AM on 22
nd
July,
2013
VENUE
Leadership Center,
Indian Institute of Banking & Finance,
Kohinoor City, Commercial II, Tower 1, 3
rd
floor,
Off LBS Marg, Kirol Road, Kurla (W),
Mumbai – 400070.
FEE
Rs.15,000/- per participant plus service tax @12.36% i.e. Rs.1854/- aggregating to Rs.16854/-
(In case of TDS deduction, please send us TDS certificate)
Programme fees may be remitted to the credit of Institute’s account with Bank of
Baroda, details of which are given below:
Name of the Bank branch: Bank of Baroda, Kurla (West).
Account no: 19750200000806 IFSC code: BARB0KURLAX(0 is zero)
(PAN No: AAATT3309D and Service Tax No. AAATT3309DSD002)
The programme is Non residential.
In case the participants require, the Institute, on specific request, will arrange for stay in
Kohinoor Elite (A new hotel within 5 minutes walking distance from the Institute) at an all
inclusive price of `5500/- per day plus taxes for double occupancy and `4,500 plus taxes for
single occupancy. The rates are only for IIBF trainees and include breakfast, lunch, evening tea
and dinner. Four hour internet and free laundry for four pieces of clothing is complimentary.
For further details and nomination kindly contact :
Programme Co-ordinator
Dr. T.C.G.Namboodiri Dr.Rekha Rani Singh
Joint Director (Faculty) Joint Director (Marketing & Administration)
Phone: +91-22-25040175 Phone:+91-22-25040063
Mobile :+91 99203 78486
Email: [email protected] Email: [email protected]
INDIAN INSTITUTE OF BANKING & FINANCE
( ISO 9001:2008 Certified )
Kohinoor City, Commercial II, Tower 1, 3
rd
floor,
Off LBS Marg, Kirol Road,
Kurla (W), Mumbai – 400070.
NOMINATION FORM
Programme Title: Credit Appraisal (Industrial and Commercial Advances)
Date: From 22
nd
to 26
th
July, 2013 Programme Type: Non Residential
THE PARTICIPANTS NOMINATED:
Sl.
No
Name (Mr./Ms./Mrs.) Designation Branch/
Office
Mobile No.and
Land Line No.
1
2
3
4
Bank/Organisation: ______________________________________________________
Address:_______________________________________________________________
___________________________________________________ Pin Code: __________
Phone: ______________Fax: _____________ E-mail: ________________________
Fee: Rs.15,000/- per participant plus service tax @12.36% i.e. Rs.1854/- aggregating to
Rs.16854/-(In case of TDS deduction, send us TDS certificate)
Programme fees may be remitted to the credit of Institute’s account with Bank of
Baroda, details of which are given below:
Name of the Bank branch: Bank of Baroda, Kurla (West).
Account no: 19750200000806 IFSC code: BARB0KURLAX(0 is zero)
(PAN No: AAATT3309D and Service Tax No. AAATT3309DSD002)
Kindly narrate: Programme name; date “from .......to”; number of participant
Please send your nominations at the earliest to:
Email: drnamboodiri @iibf.org.in
Dr. T.C.G.Namboodiri
Joint Director – (Faculty) Phone : +91-22-25040175
Indian Institute of Banking & Finance, Fax : +91-22-25037332
Kohinoor City, Commercial II, Tower I,
3rd Floor, Off LBS Marg, Kirol Road,
Kurla (W),Mumbai- 400070
Mobile : +91-99203 78486
doc_977384401.pdf