The techniques of preparing projected P&L, Cash Flow and Balance Sheet with-out Income Proof documents nor ITRs
The assessment of their financial requirements together with the availability as well as adequacy of their future cash flows, based on 360 degree review
Suitably equip the participants with an ability to predict in a very logical and meaningful way the future cash flows, (despite the lack of relevant financial information in a quite a number of cases) and also help them interpret the same, conduct a detailed appraisal and of course, further assist them cascade their understanding of such businesses on to their appraisal notes for approval
Target audience
Credit Risk Underwriters in NBFCs / Appraisal Officers / Credit Risk Managers from Banks / Small Finance Banks who have exposure to such segment of customers, NBFCs and MFIs
Officials of the Risk Containment and Fraud Risk Control Units of Retail Bank-ing Divisions of Banks, Small Finance Banks, NBFCs and HFCs
Relationship Managers of Banks / NBFCs / MFIs targeting such businesses
Relationship Managers from Commercial and Small Finance Banks who deal with such NBFCs and MFIs as to understand their appraisal systems in vogue.
Private Equity Players in the Real Estate and Affordable Housing Segments
Course Content:
Day 1:
Session 1
• Introduction to Retail Finance viz. Personal Loans, Two/ Three-Wheeler loans, CV/ CE financing, Housing Finance & Affordable Housing Finance
• An Overview on Real estate market in India, the impact of RERA and Ind AS on the Real Estate Segment
• Industry Overview in brief
• Competition, Players, Segments, Products
Session 2
• End to End Affordable Housing Lending - Application to Appraisal - A Case Study Based Approach
• How to adopt different appraisal methodologies in respect of:
• Artificial Intelligence and Machine Learning in banking - A case study from Sweden
• Types of Products - Retail Finance
• Types of Individual Borrowers - Bank Salaried vs. Cash Salaried
Session 3 & 4
A Review of Series of Cash Flow Statements of Failed Companies / Fraudulent Companies that are adopting Intelli-gent Accounting
• Income Assessment Methodology for the Non ITR Cases
Day 2:
Session 5
Legal and Technical Aspects associated with Retail Lending
• Complexities in Mortgage Lending in India - with Special relevance to affordable housing
• Legal and Technical Case studies for discussions - The checklist for collateral valuation will made available to the participants
Session 6
Conducting a PD for Retail Finance products - Assuming 4 broad different types of customers and specifically focusing on
• Handling Concerns & Objections
• Identifying possible fraudulent cases
Session 7 & 8
Case Study / Role play Based Approach
• Case Studies of Mortgage Loans/ Loan Against Properties/ other forms of Retail Finance to the Self Employed Professionals & Self Employed Non Professionals SEP/ SENP, (more so, if the borrower is a first time Non ITR case, then what are the other precautions to follow as part of case study discussions together with the PD methodology)
• Discussions on PD report format of NBFCs/ HFCs/ Banks and PD based assessment/ role play
• Participants will be given a checklist on Do’s and Don’ts on PD.
Trainer Profile
Trainer is a seasoned banker with rich and versatile experience in a leading public sector bank. She has worked across different banking functions like General banking, Trade Finance, Operations, Wealth Management, Retail, Rural, SME, MSME & Corporate Credit. She also has an excellent understanding of regulations and processes of cross-border transactions.
Training dates - November 20-21, 2023
Location - Kochi Training fees - ₹ 25,000 + applicable taxes
