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Summary
Objective
The surge in bad loans and fluctuation in asset quality in the past four years has brought the spotlight back on the fundamental tenet of giving credit – undertaking thorough credit assessment and appropriately pricing risk.
Banks, reeling under a mountain of bad debt, have accordingly started to work on ways to improve the efficacy of the credit assessment process and to price loans in relation to credit risk. In the context, CRISIL has introduced a two-day training programme to enable credit officers to make better lending decisions.
The programme leverages CRISIL’s expertise in credit risk assessment and building credit assessment frameworks, and uses a case study based approach developed using CRISIL’s credit risk evaluation framework. It starts with the core concepts and basic principles of credit risk and goes on to cover advanced concepts and their application in complex cases
Target Audience
Credit officers with banks and NBFCs Audit and risk management teams. Credit analysts with Investment managers
Course Structure
Duration: 2 days
Day 1
Session 1
Basics of credit risk & its quantificationOn Profit & Loss
Session 2
Credit rating systems
Session 3
CRISIL’s credit risk evaluation framework
Session 4
Business risk analysis
Day 2
Session 1
Management or promoter risk assessment
Session 2
Financial analysis
Session 3
Financial projections – the CRISIL approach
Session 4
Project risk and parent support
Session 5
Case study
Trainer Profile
He is a chartered accountant with about 17 years of experience including over 12 years of experience in credit rating domain. He had earlier worked with IDBI Bank Ltd and CRISIL Ltd. He has extensively worked in credit rating of financial services companies including banks, NBFCs, HFCs, broking companies small finance banks and insurance companies. He has particularly specialized in gold loan companies, MFIs, retail asset NBFCs and affordable housing finance companies. He has worked with clients across the rating spectrum - from B category to AAA rated clients and across geographies in the country. Having been a rating committee member at CRISIL enables him to bring in macro perspectives as well.
