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Summary
Objective
Loan against property (LAP) is a funding option that leverages the appreciating equity of a property. It is exercised predominantly by business owners (proprietor, partners and directors) to fund permanent working capital of a growing business. Sometimes, it could be used for investment purposes.
Property provides security to the transaction in LAP, and hence, legality of title and valuation assume a central role. But also crucial to LAP lending is the assessment of the business entity itself. Challenges in this regard include: under-reporting of revenue and profits, ambitious projections, assessment of actual need, and monitoring of end-use of funds.
This two-day training programme aims to provide insights on several aspects of credit assessment of LAP lending - both qualitative and quantitative. The topics covered would include: understanding business cash flows, relevant financial ratios, revenue models, early warning signals, and portfolio monitoring. It is important to understand the purpose of LAP, how to assess LAP requirement, and link it to the funding need of the customer. Keeping this in mind, this training focusses more on credit assessment of the customer (revenue potential, cash flow stability and end use) than property dynamics (value and legality).
Target audience
Credit teams, strategy and business planning teams, relationship managers, and managers of banks, non-banking financial companies and financial institutions
Programme highlights
Live lecture by subject expert
Participants join from their location
Graphs and charts explained by the Expert over whiteboard
Presentation and Case studies shared by trainer
Feedbacks uploaded by participants
Real-time Q&A session
Live Chat facility for having individual /group conversations
