Description
Course Name: Certificate in Loan Approval Officer
Course Id: CLAO/Q1001.
Education Qualification: Graduate.
Duration: 90 Hrs (Equivalent to 3 months).
How You will Get Diploma Certificate:
Step 1- Select your Course for Certification.
Step 2- Click on Enroll Now.
Step 3- Proceed to Enroll Now.
Step 4- Fill Your Billing Details and Proceed to Pay.
Step 5- You Will be Redirected to Payment Gateway, Pay Course and Exam Fee by Following Options.
Card(Debit/Credit), Wallet, Paytm, Net banking, UPI and Google pay.
Step 6- After Payment You will get Study Material Login id and Password on your email id.
Step 7- After Completion of Course Study give Online Examination.
Step 8- After Online Examination you will get Diploma Certificate soft copy(Scan Copy) and Hard Copy(Original With Seal and Sign).
Step 9- After Certification you will receive Prospect Job Opportunities as per your Interest Area.
Online Examination Detail:
Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.
Benefits of Certification:
- Government Authorized Assessment Agency Certification.
- Certificate Valid for Lifetime.
- Lifetime Verification of Certificate.
- Free Job Assistance as per your Interest Area.
Certificate in Loan Approval Officer
Introduction to Banking, Customers and KYC norms: Evolution of Banking, Functions of Bank, Procedure for opening and operating of deposit account, Lending principles, Credit Creation and Balance Sheet of a bank, Negotiable Instruments, Endorsement, KYC/AML/CFT/Obligation of banks under PMLA, 2002, Definition of Customer, KYC Policy Customer Identification Procedure, Monitoring of Transactions.
Lending Products and Project Finance: Introduction, fiscal incentives for housing finance, role of national housing bank, role of primary lending agencies, securitisation of housing loans, home loans: distinguishing features and main terms and conditions.
Process of Loan Approval and Loan Application Documents: Installment loans, secured and unsecured loans, lending terminology, granting and analyzing credit, cost of credit, credit and the law, risk management, credit- approval process, effect of non – repayment of loans, frequency of loan repayment installments, working capital and fixed asset loans.
Analysis of financial statements: Introduction, Financial Accounting, Meaning of Financial Statements, Preparation of Financial Statements, Analysis of Financial Statements and Ratio Analysis, Understanding Accounting Equation, analysis of financial records.
Borrower profile analysis: Introduction, User Instructions, Preparing and Appraising Investment Projects, Financial Management of Executing Agencies, Financial Reporting and Auditing, Financial Institutions.
Credit Analysis: Introduction, principles of bank lending, style of credit, classification of advances according to security, secured advances, purchase & discounting of bills non-fund-based facilities, credit worthiness of borrowers.