Training dates - January 16-17, 2020

Training location - Mumbai

Training fees - ₹45,000 + applicable taxes

Summary

Objective

• The surge in bad loans and fluctuation in asset quality in the past four years has brought the spotlight back on the fundamental tenet of giving credit – undertaking thorough credit assessment and appropriately pricing risk.
• Banks, reeling under a mountain of bad debt, have accordingly started to work on ways to improve the efficacy of the credit assessment process and to price loans in relation to credit risk. In the context, Crisil has introduced a two-day training programme to enable credit officers to make better lending decisions.
• The programme leverages Crisil’s expertise in credit risk assessment and building credit assessment frameworks, and uses a case study based approach developed using Crisil’s credit risk evaluation framework. It starts with the core concepts and basic principles of credit risk and goes on to cover advanced concepts and their application in complex cases

Target Audience

• Credit officers with banks and NBFCs Audit and risk management teams. Credit analysts with Investment managers

Course Structure

Duration: 2 days

Day 1

Session 1

Basics of credit risk & its quantificationOn Profit & Loss

Session 2

Credit rating systems

Session 3

Crisil’s credit risk evaluation framework

Session 4

Business risk analysis

Day 2

Session 1

Management or promoter risk assessment

Session 2

Financial analysis

Session 3

Financial projections – the Crisil approach

Session 4

Project risk and parent support

Session 5

Case study

Trainer Profile

He is a chartered accountant with about 17 years of experience including over 12 years of experience in credit rating domain. He had earlier worked with IDBI Bank Ltd and Crisil Ltd. He has extensively worked in credit rating of financial services companies including banks, NBFCs, HFCs, broking companies small finance banks and insurance companies. He has particularly specialized in gold loan companies, MFIs, retail asset NBFCs and affordable housing finance companies. He has worked with clients across the rating spectrum - from B category to AAA rated clients and across geographies in the country. Having been a rating committee member at Crisil enables him to bring in macro perspectives as well.