Lending Methods And Procedures

To provide participants with essential knowledge in the following areas:

• Market assessment
• Market segmentation
• Market selection
• Making sound lending decision
• To understand the term “delinquency”, its causes, costs and negative implications for sustainability.
• To understand the importance of monitoring of the loan portfolio and the measurement of delinquency
• To develop incentives to control and measures to avoid delinquencies and apply them in credit administrative
• To understand the importance of provisioning and write-off policies

CONTENT

• Understand banks business needs
• Describe and apply the basic lending methodology and procedures in banking
• Explain lending requirements within established guidelines
• Apply the process of credit assessment using normal institutional standards
• Define, interpret and analyze financial information of macro business
• Understanding interest settings
• Business needs in financing, managing and operations
• Understanding lending
• Types of clients
• Principles and methodology of good lending practice
• Understanding types of loan products
• The lending process and procedures
• Types of securities and alternatives
• Lending interview, loan application and assessment
• Practical assessment of micro business
• Interest rate setting and calculation

FOR WHOM:

Managers involved in various aspects of credit administration in Banks

TRAINING METHODOLOGY

The training methodology combines lectures, discussions, group exercises and illustrations. Participants will gain both theoretical and practical knowledge of the topics. The emphasis is on the practical application of the topics and as a result participant will go back to the workplace with both the ability and the confidence to apply the techniques learned to their duties.