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NISM & CRISIL Certified Credit Underwriter Programme

Credit Risk Officers and Underwriters decide how financial institutions build lucrative portfolios.

NISM & CRISIL present the NISM & CRISIL Certified Credit Underwriter Programme. The course is designed to hone your skills to shape critical financial outcomes.

With this Credit Risk Certification, leverage CRISIL’s expertise, experience, carefully-built data repositories and intellectual property to put yourself well ahead of the pack.

This Credit Certification Course has been tailored with the perfect balance of conceptual learning, case studies, data trends and examples resulting in a practitioner-oriented approach to learning.

Eligibility	Graduation
Mode of delivery	Self-paced online learning program
Registration fees	Rs 16000 (excl. GST)
Examination fees (per attempt)	Rs 2000 (excl. GST)
No. of Modules	22 modules
No. of learning hours	50 learning hours
Mode of exam	Online proctored exam
Frequency of exams	Quarterly

Why this course is right for you

The NISM & CRISIL Certified Credit Underwriter Programme is Designed to Take Go-Getters a Step Further

Course benefits

Course benefits
Course Contents

Speed Up Your Career – Take a smart step from retail, MSME and sales into corporate lending
Pave your way into corporate lending. With your upgraded skills - evaluate an organization’s ability to acquire large loans and consider more significant credits
Broaden your career horizon by becoming more marketable with valuable and relevant knowledge and recognition
Stay abreast of the most recent market trends and best practices in the industry
Leverage your existing knowledge and skills to enhance your career prospects

Core concepts of credit risk assessment, including industry analysis, business risk evaluation, financial analysis and promoter assessment
How to evaluate and comprehend various products for financing small, medium and large businesses
How financial metrics of corporate performance are calculated and used to evaluate the creditworthiness of a business
How macroeconomic indicators and market conditions affect bond yields and credit spreads
How to establish the capacity to transition to modern lending

NISM & CRISIL Dual Certification Advantage

Control Your Career - Create Your Growth

NISM & CRISIL Certified Credit Underwriter Programme - Certified by two Renowned Institutions

Credit underwriting training will add value to your professional career.

The NISM Advantage

The NISM Advantage
The CRISIL Advantage

27 Credit Certification Course

FIFTEEN certifications mandated by the Securities and Exchange Board of India (SEBI) and ONE by the Pension Fund Regulatory and Development Authority.

Financial literacy

Get a strong foundation in financial skills from The School for Investor Education and Financial Literacy

Policy Research

Leverage knowledge from The School for Securities Information and Research (SSIR), which has distinguished itself in research initiatives and publications.

Enhanced Governance Standards

Gain clarity on corporate board governance issues from The School for Company Governance (SCG)

Professional Education

Excellence in regulatory tech to support SEBI in core functions by The School for Regulatory Studies and Supervision

50,000+

Credit Officers Trained

400+

Organisations Benefit

Solid Track Record

India's first and most prominent credit rating agency; has announced 26,000+ new bank loan ratings, representing one-third of India's banking credit to corporates to date

Wide Market Acceptance

Over 90% of banks use CRISIL’s proprietary risk assessment model

Cutting-edge Research

Over 90% of India's asset-based commercial banking industry uses CRISIL’s industry research to take credit decisions.

Sweeping Coverage

CRISIL is the largest provider of fixed income valuations in India, servicing INR 107 Lakh Crores (US $1.573 trillion) of outstanding Indian debt securities

Course highlights

With Credit Risk Courses Online, you will get a hands-on learning experience with highly interactive training content.

50 hours of self-paced learning
22 interactive modules
NISM & CRISIL Certified Credit Underwriter Programme digital badge
Virtually proctored exam
22 Real-life case studies
90 Immersive animations
65 Recent regulations/resource documents
47 Modules of market-related data and analysis
134 Knowledge checks

Which Industries Will Hire Me?

Banks
Non-banking financial companies
Asset management companies
Insurance companies
Rating agencies
Investment banks
Institutional brokers
Private equity

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Get in touch

Demo of our course modules

Cash flow statement and financial statement fraud

Request demo

Non fund based financing

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To understand more about the NISM & CRISIL Certifications, please contact +91-7777073996 or write to us at crisil1academy@crisil.com.

Frequently Asked Questions

1. What does NISM & CRISIL Certified Credit Underwriter (NCCCU) programme offer?

This credit certification course readies professionals for a fruitful credit-underwriting career in the financial services industry. The course goes beyond mere concepts and focusses on business insights and challenges. Additionally, it provides you the relevant knowledge and recognition to enhance your marketability in the jobs market. The content is interactive and exhaustive. It has 22 modules and helps you start and upgrade your career in areas as wide as retail, MSME, sales, and corporate lending.

2. Can I take the certification course in credit?

Yes, you may opt for the credit risk certification course, if you have a bachelor’s degree with at least 50% marks, or equivalent cumulative grade-point average (CGPA). The credit certification course is for graduates, who wish to build a fulfilling career in the banking and finance industry; experienced bankers; credit research analysts; professionals working in the asset-reconstruction companies and consulting firms; professionals seeking to understand debt securities; and those looking to expand their career in commercial and retail finance, credit appraisal, credit monitoring, credit underwriting , loan syndication, stressed asset management, and project finance. Moreover, there is no age limit to enrol.

3. What are my career prospects after undergoing the credit underwriter course in the industry?

The financial services industry is very dynamic. A credit underwriter today performs various functions — from conducting a detailed research on the financial history of businesses and individuals for determining their creditworthiness to conducting compliance review of banks’ lending policy, and estimating the relative profitability of the relationship to the organisation. In short, career opportunities are aplenty with banks, institutional brokers, insurance companies, asset management companies, private equity, investment banks, rating agencies and non-banking financial companies (NBFCs).

4. How will I benefit from the credit certification programs?

The credit underwriter course has a sharp focus on training and upskilling. It provides a deep understanding of various credit assessment skills. The course helps you upgrade and fast-track your career. It will expand your career horizon. It follows a practical approach by using market data, industry trends and relevant case studies to facilitate a deeper understanding of concepts.

5. On average, how long does it take to complete the credit certification course?

The course comprises 7 modules and 22 sub-modules. All credit risk training modules put together require about 50 learning hours, and can be bookmarked to enable quick access.

6. What is the credit certification course fee?

The registration fee for the certification course in credit is Rs 16,000 and the exam fee is Rs 2,000 per attempt. It covers 22 e-learning modules, including real-life case studies, recent regulations/resource documents and market-related data and analysis.

7. How do I make the payment for credit certification course?

Participants can visit the website and click on the ‘enroll now’ button to register for the credit certification course.

8. How long can I access the credit risk course online?

Access to the credit risk course content is valid for two years from the date of purchase.

9. Is the credit underwriter course online-only?

Yes, the credit underwriter course is a completely self-paced, online learning programme with human voice-over, clickable interactivities, animations, additional reading material and knowledge checks to assess users.

10. What will I learn through the credit certification course?

The certification course in credit mainly provides the core concepts of credit risk assessment, including industry analysis, business risk evaluation, financial analysis and promoter assessment; various financial products for small, medium-sized and large businesses; and financial metrices of corporate performance. It helps you build capability to move towards new-age lending.

11. How can I access the credit underwriting training modules?

Access to the credit underwriting training modules will be provided through the NISM platform. Once you complete the purchase, you will receive an email within 48 hours with details to access the credit certification course. The credentials to access the course will be the same as those used for registration (email and password). You can see the credit certification course assigned under Your Courses, on the dashboard page. Click the assigned certification course in credit and the course content page opens. Click the first module and begin the credit underwriter course.

12. How frequently is the content of the credit underwriter course updated?

The content of the credit underwriter course is updated to incorporate any new concepts, or every time there is a change in industry practice or regulation. In addition, analysis of key events, articles and expert videos relevant for a credit underwriting training are frequently added. This will keep you abreast of emerging trends and best practices in the credit underwriting space.

13. Can I access the credit underwriting training modules on my mobile/tablet?

Yes, the credit underwriting training modules are accessible through your mobiles/tablets, as these are responsive and adapt to your screen size. However, we recommend using a laptop or a large-screen device for ease of learning and better knowledge retention.

14. Can I download the credit underwriter course modules?

No. The credit underwriter course modules are only accessible online through the Online Learning Platform.

15. What is the duration of each credit certification course module?

Each module of credit certification course is 2-3 hours. However, study hours will vary for every individual. You need not complete a module at one go. Module content is auto bookmarked, and you may choose to pick up from where you stopped.

16. How many times can I access the credit certification course modules?

The credit certification course modules can be accessed online any number of times over the two years from the date of enrolment.

17. Do I get any learning material printouts/books in the certification course in credit?

No. However, within the modules of credit certification course there are additional reading resources.

18. What is the exam schedule for credit certification course?

The exams are scheduled every quarter. The exam dates will be published a month in advance. Those wishing to take the exam must make their payments at least 15 days before the exam date. The minimum period to study for the exam is one month – which means the gap between registration for the exam and the exam is one month. All the 22 modules of credit risk underwriting course need to be completed before registering for the exam.

19. What is the structure of the exam and how is it conducted?

The exam will have multiple choice questions (MCQs) and multiple response questions (MRQs). The exam will be conducted online. It will be proctored online through your laptop/desktop webcam. The duration is three hours. You have to answer 150 questions.

20. How many times can I attempt the exam?

The exam can be taken any time within the licence period as per the pre-defined schedule. In case the licence period expires, you have to re-register for the programme.

21. What percentage should I get to pass the exam?

60%.

22. Will my wrong answers get negative marks?

No.

23. What will be the format for exam scores?

Exam scores will be listed in percentages.

24. How can I renew the certificate?

Candidates are required to obtain six points, i.e., complete six hours of online learning to renew their certification every three years. A renewal fee of Rs 4,000 will be levied for an online refresher course and certificate re-validation.

25. Do I get placement opportunities/support?

NISM and CRISIL do not provide active placement support. However, the course is designed to provide practical insights into various aspects of credit underwriting, which will help you get the desired job. Also, both NISM and CRISIL have been conducting training programmes for organisations in the BFSI space for several years. This provides credence and acceptability to the NISM & CRISIL Certified Credit Underwriter programme.

26. Can I cancel the registration?

No. Once registered, you cannot cancel it.

27. How can I get help with technical issues while accessing the modules online?

Please email us at crisil1academy@crisil.com.

28. How will I get the certificate?

The certificate will be emailed to you. You will also get a NCCCU digital badge, which will validate your mastery in credit underwriting.

To understand more about the NISM & CRISIL Certified Credit Underwriter Programme, please contact +91-7777073996 or write to us at crisil1academy@crisil.com.

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