Are you preparing for Certified Credit Professional (CCP) Certification and struggling with credit policies, risk management, and lending regulations? If yes, then this session is exactly what you need!
- Understanding the importance of credit policy
- Deep dive into loan assessment & risk management
- Learn about Debt Service Coverage Ratio (DSCR), NBFC lending rules, and priority sector lending
- How banks manage credit risks, loan documentation, and compliance
💡 Don’t forget to watch till the end! Drop your questions in the comments and share this video with your colleagues.
Watch the Full Video Here:
📌 Part 1: Introduction to Credit Policy
– What is credit policy, and why is it critical for banks?
– How does a structured credit policy help in reducing loan defaults and improving asset quality?
– The historical evolution of credit policy in banking institutions.
📌 Part 2: Term Loan Approval Process
– Project viability assessment – How banks determine if a project is financially viable.
– Debt-to-Equity Ratio (2:1 rule) – Why owner contribution is essential.
– Debt Service Coverage Ratio (DSCR) – How a 1.5 DSCR determines loan approval.
– Detailed breakdown of financial metrics used in term loan evaluation.
📌 Part 3: Special Lending Categories (NBFCs & Infrastructure Projects)
– How banks assess NBFCs before granting loans
– Understanding long-term infrastructure financing risks
– Case studies of successful and unsuccessful lending decisions in these sectors.
📌 Part 4: Loan Monitoring & Risk Management
– Fair Practices Code: How banks ensure transparency in lending.
– Loan documentation & compliance: Why proper paperwork is crucial before disbursing loans.
– Examples of real-world compliance failures and their consequences.
CCP | Credit Policy | Chapter 2 | Part 1 |IBF Certification [Free Epdf]
📥 Download the PDF for Quick Revision!
Want to revise these concepts anytime, anywhere? Download our detailed PDF notes on Credit Policy for CCP Certification.
Conclusion: Key Takeaways & Next Steps
🔹 Credit policies ensure structured and risk-free lending in banks.
🔹 Loan monitoring and risk assessment are crucial to prevent NPAs.
🔹 Regular policy reviews help in adapting to market and regulatory changes.
📢 What’s Next?
- Implement these learnings while preparing for CCP Certification.
- Subscribe to our channel for more insightful banking & finance videos.
- Join our live coaching sessions for detailed CCP preparation.
📌 Have questions? Drop them in the comments below! Let’s discuss and make learning easier together. 🚀
📢 Enroll in Our CCP Certification Course Today!
🎯 Why Join?
- ✅ Complete CCP Syllabus in conceptual video format
- ✅ Hindi + English mixed lectures for easy understanding
- ✅ Mock tests & mega revision tests
- ✅ Recorded live sessions for flexible learning
- ✅ Limited-time discount – Get up to 82% off!
🔥 Use Coupon Code: WINTER to avail the discount.
📲 How to Enroll?
- – Android users: Search for “Learning Session IBF” on the Google Play Store.
- – iOS users: Visit our website and start learning instantly.
👉 Enroll now and ace the CCP Exam with confidence!
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