About Course

Day 1: Understanding Credit Appraisal Fundamentals

Session 1: Introduction to Credit Appraisal

• Definition and importance of credit appraisal
• Role of credit appraisal in lending institutions

Session 2: Types of Credit

• Different types of credit products (e.g., personal loans, business loans, mortgages)
• Understanding the specific requirements for each type of credit

Session 3: Credit Risk Assessment

• Identifying credit risk factors
• Credit scoring models and their relevance

Session 4: Financial Statement Analysis

• Basics of financial statements (income statement, balance sheet, cash flow statement)
• Analyzing financial ratios for credit evaluation

Day 2: Credit Appraisal Process and Case Studies

Session 5: Credit Appraisal Process

• Step-by-step overview of the credit appraisal process
• Credit application and documentation requirements

Session 6: Credit Decision Making

• Evaluating creditworthiness
• Approving, rejecting, or modifying credit applications

Session 7: Case Studies and Practical Exercises

• Analyzing real-world credit scenarios
• Hands-on exercises to assess credit risk

Session 8: Regulatory and Compliance Considerations

• Understanding legal and regulatory requirements in credit appraisal
• Compliance with anti-money laundering (AML) and know your customer (KYC) regulations

Session 9: Wrap-up and Q&A

• Recap of key concepts and takeaways
• Open floor for participant questions and discussions