In this module of Bank's Credit series, we are going to focus on understanding two main aspects in bank credit portfolio wherein you would understand General Principles of lending and Assessment of Bank Finance.
he course on “Bank’s Credit Portfolio Training” comprises of various processes handled by a bank generally, at pre-sanction and post-sanction stage of a loan. As the public’s money is lent out as advances, it is the prime duty of the bank to judge that the borrowers are genuine, having high integrity, capable enough to run the business, funds are required and also to ensure their repaying capacity.
Through this course we are going to focus on understanding two main aspects in bank credit portfolio wherein you would understand;
Section 1: General Principles of lending: In this section you would learn basic rules before lending by a bank, cardinal principles of lending, importance of liquidity and profitability, importance of integrity, adequacy and timeliness and thumb rules for loan officers.