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Summary
Objectives
The course focus is on the informal income and unorganized segments of the economic value chain.
Understanding the peculiarities exhibited by clients in such segments
Learning how to make an effective impact on the Bank’s/ NBFC’s/ HFC’s/ FI’s lending to this segment
Understanding the assessment of their financial requirements together with the availability as well as adequacy of their future cash flows based on the nature of self-employment activities that the borrowers are engaged in.
Learn how to analyse the various risks in lending to these borrowers
Understand the roles and responsibilities of the In-house/ Outsourced Legal and the Technical Teams in facilitating a rational decision making by the Credit Underwriters.
Target Audience
Credit Underwriters, Credit Support team, Credit Auditors, Credit Inspectors
Officials of the Risk Containment and Fraud Risk Control Units of Retail Banking Divisions of Banks, Small Finance Banks, NBFCs and HFCs
Private Equity Players in the Real Estate and Affordable Housing Segments
Financial Institutions engaged in Retail Lending both Secured and Unsecured
Course Structure
Duration: 2 days
DAY 1
Session 1
Overview of Retail and Mortgage Loans Market
Session 2
Understanding the assessment methodology for affordable housing and other retail loans
Sessions 3 & 4
Case studies on assessment for different businesses
DAY 2
Session 1
Important finer aspects of the real estate backed lending
Sessions 2 & 3
Case studies in mortgage backed loans
Session 4
Understanding the importance of an effective personal discussion
Trainer Profile
He is a senior -banker with more than 25 years experience working in Public & private sector banks.
He has worked extensively in the area of Credit Assessment for Small and Medium Enterprises (SME). Has worked in overseas branch where he was responsible for Trade Finance and Treasury Back-Office for both money market and forex dealing room. During his banking career he was also member of the Corporate Debt Restructuring Empowered Group and worked on several high value debt restructuring proposals across industry sectors.
He has been conducting training programs in in Foreign Exchange and Trade Finance, Corporate & Commercial, Retail Banking , Debt Collection & Fraud Risk. He has also conducted trainings for leading bank in Sri Lanka.
