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Excellence in SME lending

The course will have several case studies/case lets and group tasks to appreciate all risks including promoters risk and asymmetry in information in the SME lending space. The course will also outline emerging products and practices- Digital Lending, Vendor Bills, TReDs etc.

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Excellence in SME lending

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  1. Excellence in SME lending –Credit Risk Analysis & ManagementBy CARE CART

  2. Introduction Target Group: Commercial Banks and NBFCs – Credit Analysts and Relationship Managers in SME Business. Two day intensive programme for persons working in the area of SME financing. The course will cover all aspects of SME business and will provide participants with foundation and skills necessary to originate and manage this business in a profitable and risk contained manner. The course will also outline emerging products and practices- Digital Lending, Vendor Bills, TReDs etc. Provide a better orientation towards SME business domain in India. Analysefundamental non-financial risks associated with SME lending – Industry risk, management Risk and Market Risk AnalyseFinancial Risks from financial statements – Liquidity Ratios, Profitability Ratios, Coverage Ratios, Break Even Ratios, Common Size Vs Peer group analysis. Understanding of credit appraisal techniques and risk rating methodologies. Facilitate better selection of clients by understanding risks and mitigants, key success factors in each business. Critical aspects of SME Project Appraisal Build skills to monitor and identify early warning signs and proactively manage them. http://bit.ly/323ZNkg

  3. Day 1 Course • Session 1 • Introduction to the SME Domain and its importance to Banks/NBFCs • Introduction to the SME market size in India • Why  is SME business attractive to Banks and NBFCs • Govtinitiatives- Mudra bank, CGTSME, Start up and Stand up guidelines • RBI guidelines on SME lending • Session 2 • Credit Appraisal of SME Clients – A changing Science • Promoter Risk / Management Risk - Ability vs Willingness to pay • Industry Risk • Market Risk • Credit Scoring Model & Rating – Thresholds • Case Study / Case lets http://bt.ly/323ZNkg

  4. Session 3 • Financial Risk Analysis. • Reading the financial statements • Classification of Profit & Loss items • AnalysingFinancial performance – Profit & Loss Account & Balance Sheet Ratios • Classification of Balance Sheet –  Lenders perspective • Case lets • Session 4 • Cash flow  VS Fund Flow & its Importance • Critical aspects of SME project Appraisal • Case Study / Case lets http://bt.ly/323ZNkg

  5. Day 2 Course • Session 1 • Client Interviewing skills and Role of RMs • Various methods of Assessment of Working Capital. • Building / Validation of projection of SMEs in context of business, industry and economic environment. • Case Study / case lets • Session 2 • Traditional SME Products in the market • Introduction to product design, USPs, risk pricing • Case Study / Case lets http://bt.ly/323ZNkg

  6. Session Three & Four • Documentation, Disbursement and Monitoring systems • Early Warning Systems • Whither collateral in SME Credit – Diminishing role • Product Structuring and innovation – • Vendor bills, Supply chain financing,TReDS, •  Equipment finance for Mfg. and Doctors, •  Structured Term Loan • Digital Lending – Evolution, Key determinants, Process Flow and Risks. http://bt.ly/323ZNkg

  7. Date and Venue 10-10-2019 to 11-10-2019 at 09:30 AM City: Jaipur Location: Hotel Four Points by Sheraton http://bt.ly/323ZNkg

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