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MSME lending (Part II)

 

In this eLearning module on MSME lending (Part II) - Online training module, we will discuss how banks assess business risk, management risk and financial risk of MSME borrowers that approach the bank. We will also understand how the portfolio approach works and how banks create security for the exposure.

 

Coverage and structure for eLearning module

 

Topic

Sub-topic

Credit Risk Assessment: Business Risk
  • Risk Evaluation Parameters
  • Impact of Local Market Dynamics
  • Ability to Produce Efficiently
  • Sustainability of Operations

Credit Risk Assessment: Management Risk
  • Promoter Risk
  • The Assessment Process
  • Determine Business Dependence on Promoter
  • Conduct Background Check on the Promoter
  • Conduct a Personal Discussion (PD)
  • The PD Process

Credit Risk Assessment: Financial Risk
  • Key Components of Financial Analysis
  • Ratio Analysis
  • Benchmarking
  • Liquidity Risk Analysis

The Portfolio Approach
  • Rationale
  • Segmentation
  • Portfolio Lending Programme Process
  • Building the Framework
  • Defining the Product
  • Completing the Documentation
  • Rolling out the Product
  • Limitations of Portfolio Approach

Security for the exposure
  • Primary and Collateral Security
  • Third-Party Collateral Security
  • Second Charge Security
  • Evaluating Collateral Assets
  • First-Class Collateral
  • Guarantee as Additional Security
  • Creating Security

 

 

Module Fees: Rs. 2500/-                                  Access period: 3 months                                 Learning time: 3 hours

 

 

Steps to purchase

 

  • Go to CRISIL Learning platform https://training.crisil.com/
  • On https://training.crisil.com/ (CRISIL Learning platform) – sign up to create your unique login ID and password
  • Once your account is set up, search for "MSME lending (Part II)" from the search bar
  • Select the e-learning module - MSME lending (Part II), and click on buy now; it will get added to your cart
  • Click on 'Cart' and purchase the module(s) with your debit or credit card
Detailed steps

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Final assessment questions & gamification at the end of the module to ensure learning objectives are met