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Summary

Background and programme objectives

Exemplary credit management skills include the ability to identify and grow customer accounts, thoroughly appraise their creditworthiness, and optimally manage customer relationships post the sanctioning of credit, while minimising credit risk across parameters like quality, concentration, maturity, security and type of credit facility.

In this context, the two-day CRISIL credit management skills workshop will offer insights into the end-to-end credit skills required by desk officers and relationship managers (RMs). The training will focus on the fundamentals of account acquisition, appraisals, managing and monitoring of different classes of borrowers through the customer life cycle.

The programme is intended for officers with more than two years of work experience in sales & marketing, and a basic knowledge of financial statements and appraisal of customer relationships across divisions i.e., the micro and small business enterprises (MSME), and corporate banking divisions of banks and non-banking financial companies (NBFCs).

The programme will teach participants to optimally assess the operating industry and business environment, structure credit facilities, and the nuances of improving revenue without unduly enhancing client risk exposure. Under monitoring skills, we have specially included sessions on the latest Reserve Bank of India (RBI) circular on restructuring of Accounts and its impact, as well as Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act, 2002, (SARFAESI), and National Company Law Tribunal (NCLT)-related issues on a ‘need to know’ basis for RMs.

Training dates - April 27-28, 2020

Training location - Mumbai

Training fees - ₹ 30,000 + applicable taxes