Description
Course Name: Loan Approval Officer
Course Id: LAO/Q1001.
Education Qualification: Graduate.
Duration: 90 Hrs.
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 receive Study Material 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.
Syllabus
Certificate in Loan Approval Officer
Introduction to Banking, Customers and KYC norms
Lending Products and Project Finance
Process of Loan Approval and Loan Application Documents
Analysis of financial statements
Borrower profile analysis
Credit Analysis
Introduction to Banking, Customers and KYC norms
Realizing importance of banks in the economy, types of banking, list of products and services offered by banks (retail and wholesale), Determining various types of customers in Banks and important features that distinguish each type of customer, Describing KYC requirements for each type of customer – detailed document lists, Describing Anti money laundering and provisions of PMLA, 2002, White board, Marker, Overhead projector, Laptop, Internet access.
Lending Products and Project Finance
Describing 5Cs model of lending., Determining RBI prudential norms on lending, Detailing each type of loan, nature, purpose for which it can be availed, tenor, and other requirements, Clear understanding of Project finance vs. corporate lending and purposes for which project finance is availed, Laptop, Internet access, White board, Marker, Overhead projector. Execute MIS reporting, safe keeping and destruction of records, Use documentation basics – stamp paper, franking, and registration concepts.
Process of Loan Approval and Loan Application Documents
Describing steps to be followed after loan application is submitted by the client, Ascertaining documents required for processing of each type of loan (Retail and wholesale), verification process, Describe parts of a loan document / term sheet, Loan disbursement and repayment schedule, Use documentation basics – stamp paper, franking, and registration concepts. Land/Real Estate as a Security for the Loan/Advance, Stocks and Shares as a Security for the Loan/Advance, Goods as a Security for the Loan/Advance, Fixed Deposit as a Security for the Loan/Advance, Supply Bills as a Security for the Loan/Advance, Charge Over Securities.
Analysis of financial statements
Analyzing corporate financial statement – past and projections of future – trend analysis, profitability analysis etc, Analyzing Personal financial statement – present and future financial position, repayment capability, General Principles of Secured Advances, Land/Real Estate as a Security for the Loan/Advance, Stocks and Shares as a Security for the Loan/Advance, Goods as a Security for the Loan/Advance. Types of Analysis, Techniques Used in Analysis of Financial Statements, Funds Flow Analysis, Ratio Analysis, Financial Analysis by Bank as a Lender, Financial Analysis by Bank as a Investor, Analysis of Balance Sheet.
Borrower profile analysis
Ascertaining Management profile, promoter profile, credit rating of the organization, Analysis of annual report of the company, Analysis of income, age, dependants, existing liabilities, work profile etc. Good lending principles, Lending to poor masses, Kinds and their merits and demerits, Repayment of loans : rate of interest, protection against penalty , Default and recovery, Loan agreements and documentation, secondary trading, asset-backed securities, securitizations and lender liability; final exam review.
Credit Analysis
Credit Rating – Internal and External: Basics of Credit Rating, 5C Credit Model, Analytical Framework For Credit Analysis, Industry Risk, Business Risk, Financial Risk, Credit Strategy and Portfolio Management: Other Concepts on Credit Risk, Understanding Credit Spreads, Trading on Credit Spreads, Credit Monitoring, NPA Management, Enhancement and Securitization: Stressed Asset Management – Warning signs, Process and Monitoring for Recovery, CDR Mechanism, Pricing/ valuation of NPA’s and Asset backed/Mortgage backed Securities, Credit Monitoring and Identification of Early Warning Signals, Understanding and analysis of Corporate Banking Facilities and other financing forms.