POST GRADUATE PROGRAM IN BANKING & CREDIT UNDERWRITING

1. POST GRADUATE PROGRAM IN BANKING & CREDIT UNDERWRITING GUARANTEED PLACEMENT PAY ONLY AFTER PLACEMENT! B.Com : 3 lakhs PA MBA : 4 lakhs PA CA/CFA : 6 lakhs PA MINIMUM SALARY GUARANTEE INCOME SHARING AGREEMENT – PAY 17% OF YOUR INCOME Learn in-dept skills to become a Credit Professional Deep understanding of the lending industry 6-month full time program TOP COMPANIES:

2. WHAT’S THE PROGRAM ABOUT? The Post Graduate Program in Banking and Credit Underwriting is a 6- month full-time comprehensive program designed to develop a candidate’s understanding of the banking and lending industry to prepare them for roles across Credit Risk, Credit Analysis, Credit Management, Accounting and Financial Planning. You can choose between two specialization tracks: 1) Credit Analysis and 2) Credit Management based on your skills and eligibility. This PG program has a unique structure where you pay your fees only after you get placed. Further, we will give you a minimum salary of anywhere between Rs. 3 Lakhs to Rs. 6 Lakhs depending on your qualification. Your actual salary could be even higher! ISA CALCULATIONS Program fee is dynamic, as it depends on the CTC you get Imarticus will offer candidates minimum guarantee of Rs 3 lakhs – 6 lakhs CTC based on educational qualification, aptitude score, PI and academics Say for example you are eligible for a minimum guarantee salary of Rs 4 lakhs p.a. ` 4,00,000 MINIMUM GUARANTEE ACTUAL SALARY PER MONTH PAYMENT PER YEAR PAYMENT NO. OF YEARS TOTAL PAYMENT ----------- ----------- ----------- ----------- ` 3,50,000 ` 4,00,000 ` 5,667 ` 68,000 ` 2,04,000 3 ` 4,50,000 ` 6,375 ` 76,500 ` 2,29,500 3 ` 5,00,000 ` 7,083 ` 85,000 ` 2,55,000 3 ` 6,00,000 ` 8,500 ` 1,02,000 ` 3,06,000 3 ` 7,00,000 ` 9,917 ` 1,19,000 ` 3,57,000 3 ISA IN NUMBERS 3 17% 36 0% YEARS % of Income to be shared monthly Duration of income sharing No. of payments Interest rate HOW IT WORKS? Begin Training Assessment Process Begin Application Confirm Registration Get Placed! & Select Specialization

3. PROGRAM HIGHLIGHTS The Post Graduate Program in Banking and Credit Underwriting is a 6 month full time comprehensive program designed to develop a candidate’s understanding of the banking and lending industry. TWO TRACK COURSE Choose between a Credit Analyst Track and Credit management Track based on your skillset and preferences. PAY LATER! INDUSTRY ENDORSED Cutting-edge program with an industry curriculum designed and delivered by industry experts VERSATILITY Caters to B.Com, MBA and CA candidates with applications across Capital & Markets Research Structured around unique Income Sharing Agreement model where you pay only after getting a placement CURRICULUM FOUNDATION SEMESTER 1 - FINANCE PRIMER CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Finance and Financial Sector Introduction to Banking MACROECONOMICS Economic System Market Microstructure Wealth Management FINANCE Investments - Products Credit Analytics an Introduction FINANCIAL ANALYSIS Credit Management in Banks and NBFCs FINTECH BASICS Introduction to Fintech Evaluation -1 EVALUATION SEMESTER 2 - RETAIL, CORPORATE BANKING AND NBFCS CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK BANKING PRIMER Introduction to Banking System Deposit Products & Operations Retail Lending – Loan Products & Operations Other Products and Services RETAIL BANKING Mobile Banking Internet Banking POS Terminals Branchless Banking Introduction to Corporate Banking Debt Products Liability Products CORPORATE BANKING Working Capital Trade Finance Forex Sales and Operations INCOTERMS 2020

4. SEMESTER 2 - RETAIL, CORPORATE BANKING AND NBFCS CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Treasury Products International Payments CORPORATE BANKING Asset Liability Management NPA management Fintech in Corporate Banking Overview of Non-Banking Financial Companies (NBFC) Sourcing Channels NBFC Collection Digital innovations in NBFCs EVALUATION Evaluation -2 SEMESTER 3: BLOCK CHAIN AND DLT CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK FINTECH FOR MANAGING CAPITAL Access to Capital (LendTech) Block Chain Concepts BLOCK CHAIN Cryptocurrencies Analytics and Machine Learning ANALYTICS EVALUATION Evaluation -3 SEMESTER 4: RISK MANAGEMENT & COMPLIANCE CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Risks and Types in Lending in India Types of Risks in Lending RISK MANAGEMENT Enterprise Risk Management - Regulatory Prescriptions and basel Client onboarding REGULATORY FRAMEWORK Anti-money laundering Compliance in Banking FOUNDATION SEMESTER 5: MACRO ECONOMIC OVERVIEW CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Overview of Banking and Financial Services in India relative to Lending INDIAN FINANCIAL LANDSCAPE NBFCs, Micro Financing Institutions Macro and Micro Economic Factors in Lending in India Digital Lending models DIGITAL LENDERS Digital Lending Technology Models Regulator Led Lending Practices ROLE OF REGULATORS Bank licensing policies - Economic Growth through Lending Practices Central Banks and the control of money supply Role of RBI SEMESTER 6: CREDIT ELEMENTS CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Credit and credit risk in Lending Practices in India Key components, drivers, measurement CREDIT MANAGEMENT IN BANKS AND NBFCS Best Practices in Lending Impact of credit risk on bank profitability and capital

5. CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Fundamentals of capital adequacy framework - Basle accords and implementation in India CREDIT MANAGEMENT IN BANKS AND NBFCS Contours of a credit policy CREDIT PRODUCTS Types of borrowers and their legal status Need for borrowing and main elements of Credit Analysis Overview of Credit Facilities Lending Products- Retail Lending Products Commercial Lending Products NBFC Products SEMESTER 7: CREDIT UNDERWRITING CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK BASICS Credit marketing Interest rates - time value Credit Scoring and Risk Based Pricing Structuring a Loan Proposal Supporting documentation for a loan proposal Underwriting and approval hierarchies - Delegation of powers Preliminary scrutiny, understanding of credit requirement Due diligence - CIP, CAP, CDD, EDD - Understand and follow KYC/KYCC Policies STEPS FOR UNDERWRITING AND APPROVAL Credit Risk assessment Framework Negotiation of Credit Terms with Borrower Approval memo - LOI and Commitment Letter Final approval, arrangement letter Risk Based Approach to Lending Discuss the 3 Pillars of Credit Risk Management Structure Risk in Lending Industry and Business Based Risk in Lending Management risk in Lending RISK ASSESSMENT Financial risk in Lending Credit Risk in Lending Money Laundering Risk in Lending Fraud Risks in Lending Operational Risk in Lending Accounting basics - IFRS /Ind AS Model examination Statutory audit, Credit Audit, External review Guide to Spreading Financial Statements FINANCIAL STATEMENT ANALYSIS Profit and Loss Account - Ind AS Balance Sheet - Ind AS Cash flow statement - Ind AS Auditors' report, notes on accounts - Ind AS Interpretation of financials - Ratios Basis of projections Achievability - Models - Probability of Default PROJECTIONS - Benchmarking by using Market Analytics - Lender due diligence and credit skill based achievability matric Modifications Basics of assessment, acceptable parameters, margins Assessment of working capital loans (Fund and Non Fund Based) LOAN ASSESSMENT Term loan assessment Security Tenor SECURITY AND STRUCTURING Asset based or Covenant Based Structuring Credit enhancement

6. CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK What do ratings indicate External credit ratings Internal Credit Ratings Credit Culture CREDIT RATINGS Third Party Rating Review Credit rating agencies, domestic and international Credit Rating Models and their Elements Credit Rating and capital requirement Data sources - Traditional and new age Evolution of Lending Data Introduction to Credit Analytics CREDIT ANALYTICS Credit Analytics - Techniques, platforms Credit risk model and scorecard development - Risk Scorecard dev, LGD, PD, EAD SEMESTER 8: CREDIT CLOSING CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Legal Environment and Lending in India Basis of documentation and related legal aspects Preliminary Due Diligence Identify Appropriate Loan Documents Select and Draft Relevant Documents Incorporate all Relevant Covenants/Conditions Document signing procedure DOCUMENTATION Filing of Documents and perfection of security interest Asset identification and valuation for security and documentation Creation of Security Interest - Process and legal aspects Assessment of various types of security Digital verification and documentation - eKYC, Aadhar etc Conduct and Follow up of Loan accounts Risk Mitigation MONITORING Key monitorables and actions Monetary - Online Payments Modifications Recovery Delinquency COLLECTION Tech enablers in identifying Probabilities of Default CASE STUDY Credit Administration SEMESTER 9: REGULATORY CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Indian Contract Act, Bills of Exchange Act Negotiable Instruments Act Sale of Goods Act COMMERCIAL LAW Transfer of Property Act - Key Sections relevant to asset custody and sale DRT Act SARFAESI RECOVERY LAWS Insolvency and Bankruptcy Code REG TECH Evolution of Reg Tech

7. SEMESTER 10: JOB READY SKILLS CREDIT ANALYST TRACK CREDIT TRACK MODULE MANAGEMENT TRACK Types of Communication COMMUNICATION SKILLS Personal Communication Business Communication The Why, The What and The How of Resumes Personal Branding Tips and Resources RESUME WRITING Interview Skills Using Social Media CV Discussion INTERVIEW PREPARATION - HR Interview Preparation Banking Experts Guide You on How to Prepare for INTERVIEW PREPARATION - DOMAIN Technical Interview Round with Tips, Tricks and a Quick Refresher on Concepts Learnt CASE STUDIES Case Study on Risk Assessment/ Analytics Assessing the risk of loan default leading to loss of capital and income Examining the Financial Statements i.e. Profit and Loss Account Case study on Financial Statement Analysis Statement, Balance Sheet and Cash Flow Statement of a borrower account for sanction of a loan or a renewal Case study on Projections Examining the financial and business case projections made by the borrower who have approached the lender for a loan Case study Loan Assessment Examining the Overall Loan Proposal for taking a decision as to whether to lend or not Case Study Covenant Setting How to set various covenants governing the loan proposal Case Study Creating Security Interest Through legal procedures Examine a case for creating lender charge over primary and collateral security. What are the regulatory prescriptions and legal requirements Case Study - Documentation Preparation Examine a case of a loan sanctioned for the purposes of creating and signing loan documents governing the loan Case Study - Credit Risk Rating Exercise Examine a case involving external and internal credit risk rating exercise to assign riskiness to the loan Examine a case where primary and collateral security are hypothecated, pledged, mortgaged to the bank or proposed and Case Study - Asset Value Evaluation arrive at the realisable market value on a current or future date in the event of a default or to recalibrate the valuation thereof, through inhouse valuation techniques or through external vendor valuation

8. GROWING DEMAND FOR CREDIT ANALYST 7,332 22,000 26 April,2019 January,2019 Lakh carore Credit Research Analytics on Monster India Job on Naukri pertaining to credit Size of credit Market in India AVERAGE SALARIES AVERAGE SENIOR CREDIT ANALYST Rs 524,834 Rs 524,834 AVERAGE CREDIT ANALYST Avg. Salary Avg. Salary ` 205k ` 525k ` 1m ` 375k ` 861k ` 2m 10% 50% 90% 10% 50% 90% DIVERSE JOB ROLES PRIVATE EQUITY CREDIT UNDERWRITING CREDIT RATING CORPORATE STRATEGY LOAN PROCESSING PRIVATE BANKING EQUITY RESEARCH ESCROW OFFICER FINANCIAL CONTROL BUSINESS MODELING ECONOMIC RESEARCH CREDIT ANALYSIS COMPANIES HIRING CREDIT RISK AND UNDERWRITING Maxwell Louis D’Mello works at: BNP Paribas “My journey with Imarticus has excelled me, bringing out my talent to its utmost, both in my personal and professional life. I would personally like to thank the management, the trainers and all the people whose efforts are involved with this institute”. TAKE THE FIRST STEP TO SUCCESS, CALL 1-800-267-7679 TO BOOK AN APTITUDE TEST TODAY! SCAN THE QR FOR MORE INFO. www.imarticus.org