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About this program

This is an intensive course which enables participants to learn of different ways to achieve success in SME Lending

Overview

This is an intensive course which enables participants to:

Scan business environment and identify SME lending opportunities
Effectively assess financial and non-financial risks
Prepare effective credit memos for consideration of Credit Committee
Negotiate terms ensuring profitability of the account
Manage loan relationship in mutual interest

The course is suitable for:

Those involved in SME Lending both in controlling offices and branches.
Those from credit risk management and internal audit will also find the program useful.

Curriculum

Day 1:

Session 1: SME lending for bank profitability
Session 2: Analysis of financial risk
Session 3: Challenges in getting quality financial information
Session 4: Constructing borrower accounts
Session 5: Window dressing of accounts
Session 6: Lending channels for SMEs

Day 2

Session 1: Credit facilities for SMEs
Session 2: Non-financial risk in loan proposal
Session 3: Understanding and analysing cash flows
Session 4: Cash flow projections and debt servicing capacity
Session 5: Sensitivity analysis and risk
Session 6: Structuring of loans

Day 3

Session 1: Assessing credit requirement for seasonal industries
Session 2: Preparation of credit evaluation memo
Session 3: Follow up and monitoring of loans
Session 4: Managing (mis)utilisation risk
Session 5: Risk rating of borrowers and pricing of loans
Session 6: Exploiting lending opportunities in services sector
Session 7: Structured lending products for collateral free lending
Session 8: Exercises and case studies

InstructorSatish ShindeRisk management, Control systems, Basle compliance Expert

Dr Shinde has conducted a large number of on-location finance, credit and risk management related training program/seminars for banks in South Asia and Middle East. He has also assisted banks in establishing integrated risk management and control systems, besides Basle compliance. Prof. Shinde has published a book titled ‘Cash flow Analysis for Lending and Investment’. He is also working as Short Term Consultant for World Bank Group (WBG).

Profitability and Risk Management in SME Lending