Introduction to Bank Lending Environment - Online

This course is designed to help users understand the lending aspect of a bank. The course covers the principles of lending, the various forms and types of commercial lending by a bank. An in-depth discussion about the concept of working capital and the various methods of assessing the working capital is provided.

This is an asynchronous eLearning course that can be accessed 24/7 from any internet enabled computer. Access is for 91 days. Certificates with earned credits will be awarded upon successful completion.

También, se ofrece este curso en Español. Llamada para más información.

Available TodayOnlineUSD$150
Instructional Method:
Self-Study
Level: Basic

ICB CREDITS
9.5
Geared to audience from the Banking sector, this course addresses the essential knowledge requirements of individuals (non-officers to middle management) from Operations, Control, Auditing, Compliance, Operational Risk Management, as well as Information Technology (IT) Security personnel. Service providers to banks will also find this course very relevant in establishing a basis of appreciation of their client's needs, related methods and capabilities.
Students will be able to:
  • Understand the importance of credit in stabilizing the financial system of an economy
  • Know the principles of lending and the eligibility criteria for bank lending
  • Understand the concept of working capital and the various methods of assessing the working capital
  • Enumerate the various types and forms of lending (vis-à-vis lending against shares, real estate, and term loans).
  • Bank Branch Management: Bookkeeping and Accounting - Online
  • Credit Ratings - Online
  • Credit Ratings and Credit Scoring - Online
  • Counterparty Credit Risk - Online
  • Credit Analysis - Online
    • Language Options
    También, se ofrece este curso en Español. Llamada para más información.
    Credit and Economic Growth
    Topics covered include:
    • The effect of credit and inflation on the economic growth of an economy
    • The various factors responsible for creating a credit crunch in the economy and its consequences
    • The importance of credit in stabilizing the financial system
    Duration: 1 hour

    Commercial Lending
    Topics covered include:
    • The important functions of commercial banks viz. lending and accepting deposits
    • The principles of lending and the eligibility criteria for grant of loans
    • The three C's of credit and the enhanced 3C's of credit
    • The different types of loans and advances that are granted by banks
    • The various characteristics of a good collateral
    Duration: 1 hour

    Working Capital
    Topics covered include:
    • The concept of working capital and net working capital
    • The concept of current assets and current liabilities
    • The method to work out optimum working capital
    • The various methods of assessing the working capital
    • The kinds of credit limits available under working capital
    Duration: 1 hour

    Bills and Letters of Credit
    Topics covered include:
    • The various types of bills and letters of credit
    • The methodology to scrutinize bill
    Duration: 1 hour

    Lending Against Shares
    Topics covered include:
    • The concept of market capitalization
    • The various types of ratios
    • Operations of primary and secondary market
    Duration: 1 hour

    Lending Against Real Estate
    Topics covered include:
    • The challenges faced by the housing finance industry
    • The different types of housing loans
    • The importance of credit appraisal before disbursing a housing loan
    • The different types of mortgages
    Duration: 1 hour

    Term Loan
    Topics covered include:
    • The components of capital
    • The various types of leverage
    • The concept of cost of capital and valuation
    • The types of long-term sources of fund
    Duration: 1 hour

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