Credit Risk and Underwriting Course | Credit Risk Analyst Course - Imarticus

Credit Risk and Underwriting Prodegree

Developed in Collaboration with Moody’s Analytics

140+ Hour Program Delivered in an Interactive, Online Instructor-Led Format

Curriculum Covering Credit Analysis, Underwriting, Administration, Regulatory Requirements and the Impact of Technological Innovation

Hands-On Learning with In-Depth Case Studies

Pay Your Program Fee Through EMIs

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Classroom Training

Online Instructor-Led Training

Online Self Paced Videos

Credit Risk and Underwriting Certification Course

The Credit Risk and Underwriting Prodegree, developed in collaboration with Moody’s Analytics, a leading financial intelligence firm, is a 140+ hour, comprehensive program designed to develop a candidate’s understanding of credit financing in the banking and non-banking financial corporations (NBFC) loan markets.
It covers the lending landscape, credit underwriting, credit administration, legal and regulatory requirements, and the impact of technological innovation. Through a rigorous, hands-on methodology, participants acquire a powerful toolkit that will help them:

  • Understand India’s credit landscape, and more specifically the retail and small and medium-sized enterprises’ (SMEs) credit landscape
  • Learn the entire process of loan assessment, underwriting and management
  • Understand the role of due diligence when assessing retail and SME credit requests
  • Conduct financial analysis to determine creditworthiness and assess commercial and retail credit risk
  • Understand the role and impact of various Fintech innovations in the credit space

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Moody’s Analytics Endorsed

Cutting-edge program with an industry-endorsed curriculum designed and delivered in collaboration with Moody’s Analytics

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Fintech Focused

Strong emphasis on the digital innovations that are disrupting the lending space

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Versatility

Caters to both novice and experienced candidates seeking to build careers at banks, NBFCs and start-ups

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Job-Ready Program

Placement assistance through resume-building workshops, interview prep sessions, mock interviews and mentorship

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Moody’s Analytics Endorsed

Cutting-edge program with an industry-endorsed curriculum designed and delivered in collaboration with Moody’s Analytics

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Fintech Focused

Strong emphasis on the digital innovations that are disrupting the lending space

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Versatility

Caters to both novice and experienced candidates seeking to build careers at banks, NBFCs and start-ups

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Job Ready Program

Placement assistance through resume-building workshops, interview prep sessions, mock interviews, and mentorships

Curriculum

The Credit Risk and Underwriting Prodegree provides comprehensive coverage of the financial and credit landscape, the underwriting and administration processes and the technological innovations and regulations that impact the industry.

Indian Financial Landscape

  • Overview of Banking and Financial Services in India
  • Banks and the Creation of Money
  • Structure of the Banking Sector in India, Bank Licensing Policy
  • NBFCs, Micro Financing Institutions

Digital Lenders

  • Digital Lending Models
  • Digital Lending Technology Models

The Role of Regulators

  • Central Banks and the Control of the Money Supply
  • The Role of RBI

Credit Management in Banks and NBFCs

  • Understanding Credit and Credit Risk in Lending Practices in India
  • Best Practices in Lending
  • Impact of Credit Risk on Bank Profitability and Capital
  • Fundamentals of a Capital Adequacy Framework
  • Contours of a Credit Policy

Credit Products

  • Types of Borrowers and Their Legal Status
  • The Need for Borrowing
  • Overview of Credit Facilities – Fund-Based and Non-Fund Based Lending
  • Lending Products: Commercial Banks, Fund-Based and Non-Fund Based

Basics

  • Credit Marketing
  • Interest Rates
  • Structuring a Loan Proposal
  • Supporting Documentation
  • Underwriting and Approval Hierarchies

Steps for Underwriting and Approval

  • Preliminary Scrutiny, an Understanding of Credit Requirements
  • Due Diligence
  • Risk Assessment
  • Negotiation of Credit Terms with the Borrower
  • Approval Memo
  • Final Approval, Arrangement Letter

Risk Assessment

  • Industry and Business Risk
  • Management Risk
  • Financial Risk
  • Credit Risk, ML Risk, Fraud Risk, Operational Risk
  • Structure Risk
  • Loan and Portfolio RBA
  • Discuss the Pillars of Credit Risk Management

Financial Statement Analysis

  • Accounting Basics
  • Statutory Audit, Credit Audit, External Review
  • Profit and Loss Account
  • Balance Sheet
  • Cash Flow Statement
  • Auditors Report, Notes on Accounts
  • Interpretation of Financials – Ratios

Projections

  • Basis of Projections
  • Achievability
  • Modifications

Loan Assessment

  • Basics of Assessment, Acceptable Parameters, Margins
  • Assessment of Working Capital Loans
  • Term Loan Assessment
  • Assessment of Non-Fund Based Credit

Structuring

  • Covenant Default and Action
  • Security
  • Tenor
  • Asset Based or Covenant Based Structuring

Credit Ratings

  • What do Ratings Indicate
  • External Credit Ratings
  • Credit Rating Agencies, Domestic and International
  • Internal Credit Ratings
  • Elements of a Credit Rating Model
  • Rating and Capital Requirement

Credit Analytics

  • Data Sources – Traditional and New-Age
  • Evolution of Lending Data
  • Credit Analytics – Techniques, Platforms
  • Credit Risk Model and Scorecard Development
  • Consumer Credit Modelling

Documentation

  • The Legal Environment and Lending in India
  • Basis of Documentation and Related Legal Aspects
  • Asset Identification and Valuation for Security and Documentation
  • The Creation of Security Interest
  • Digital Verification and Documentation

Monitoring

  • Conduct and Follow up of Loan Accounts
  • Key Monitorable Metrics and Actions

Collection

  • Recovery
  • Delinquency
  • Tech Enablers in Collection

Commercial Law

  • Indian Contract Act, Bills of Exchange Act Impacting Lending
  • Negotiable Instruments Act
  • Sale of Goods Act
  • Transfer of Property Act

Recovery Laws

  • DRT Act
  • SARFAESI
  • Insolvency and Bankruptcy Code

Reg Tech

  • Evolution of Regulatory Technology

Training Methodology

The Credit Risk and Underwriting training course features an innovative, experiential learning methodology that incorporates guest lectures and mentorship sessions, exposing you to business perspectives and industry best practices.

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STEP 1: INSTRUCTION

Flexible Delivery: For your convenience, the Prodegree is delivered online, via live virtual classes led by credit experts, ensuring maximum learning efficacy.

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STEP 2: EXPERIENTIAL LEARNING

Practical Learning: Our unique case study-based methodology, focused on real business scenarios, will give you an edge.

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STEP 3: REINFORCEMENT

Assessments: Each topic is followed by quizzes, tests and assignments that help you master and internalize key concepts.

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STEP 4: TECHNOLOGY AIDED

Centralized Learning: You can manage your training experience and access course materials using our state-of-the-art learning management system.

24/7 Support

You’ll have 24/7 access to your course material via our state-of-the-art learning management system, including extended access to all course material after the batch ends, and a dedicated student help desk for administrative and technical support.

Case Studies

Get hands-on learning experience as you explore five comprehensive case studies. Each case study is linked to a different aspect of the curriculum, providing you with an opportunity to apply your skills and gain an in-depth understanding of how businesses work.

Case 1: Loan assessment based on risk analysis
  • A community farm store and bakery wants a loan to purchase and install commercial baking equipment at a new location. Based on the information in the case, approve or reject the request based on your assessment of credit risk.
Case 2: Financial statement analysis
  • Assess the financial health of a large listed company by analyzing financial ratios.
Case 3: Projections
  • A small enterprise that manufactures lead acid batteries has requested a term loan and working capital limit to purchase machinery and cash credit to run the unit successfully. Carry out a credit appraisal to assess the technical, economic and financial viability of the project.
Case 4: Loan assessment and structuring
  • A customer approaches the NBFC seeking financing for commercial vehicles. Examine the proposal specific to industry norms, market conditions and reasonableness of the assumptions presented in the write-up attached. Assess whether the loan should be sanctioned and structure the loan to ensure repayment.
Case 5: Credit administration
  • A closely held steel manufacturing company that has had a long relationship with the bank has been experiencing erratic management behavior. Analyze the events and advise whether the relationship manager is administering the loan appropriately to reduce the likelihood of default.

Careers

Our Career Assistance Services (CAS) team works hand-in-hand with you to help you achieve your career aspirations. Our resume-building sessions and interview preparation workshops will ensure that you are thoroughly prepared for an interview, and we will assist you with applications to leading banks, NBFCs, start-ups and related firms.


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“Imarticus has helped me throughout the learning process starting from the consultation period till the end. I have realized that their prime focus is the overall development of the student and not just the training sessions. Their curriculum is very informative and helps in the long-run. In addition, the case studies that the students are exposed to are really helpful. The trainers, who are well-experienced and have a strong foothold, are very supportive and guide you throughout the learning process.”

-Sahal Sonia


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“Training was by far the best I have ever experienced. All the technical concepts were made to learn in a practical way. With theory, the course had imbibed case study as well as projects which made us understand the financial concepts in a better way.”

-Vivek S, Placed as Analyst at BNP Paribas


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“Imarticus truly delivers its promise of providing unrivalled education, exceptional faculty, and diversified job opportunities. And this is what makes it an exemplary place for someone who wants to accentuate their career paths in the finance domain.”

-Jigna Shah

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Risk management

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LendTech

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Underwriting

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Research
  • “The credit analyst is a very attractive role for an individual to pursue. Firstly, it is in demand. It’s a role required by multiple companies and industries. The benefit is that you have a set of skills that are necessary in the market. You also get to see different industries and are not limited to one function or one type of business. You can work in banking or for an energy company or retail. Any company that takes exposure to other counter parties requires a credit analyst. So, lots of possibilities, high demand, and an interesting and diverse role.”
    – Ari Lehavi, Executive Director, Head of Moody’s Analytics Learning Solutions Division
  • “The advantage of being a credit analyst is that it can lead to higher and exciting career paths like investment banker, portfolio manager, and loan and trust manager”
    – Nikhil Barshikar, Managing Director, Imarticus Learning

Imarticus Learning provides career assistance throughout the credit risk and underwriting program to guide you to the right career path and ensure you are job ready.

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RESUME BUILDING

Refining and polishing the candidate’s resume with insider tips to help them land their dream job

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INTERVIEW PREP

Preparing candidates to ace HR and Technical interview rounds with model interview questions and answers

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MOCK INTERVIEWS

Preparing candidates to face interview scenarios through 1:1 and panel mock interviews with industry veterans

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ACCESS TO OUR PLACEMENT PORTAL

Access to all available leads and references from open and private networks on our placement portal

Industry Advisors


The program is developed in consultation with senior industry experts to ensure a high degree of relevance in accordance to the needs and demands of the industry.

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S K MITRA

MCX Board Member, Ex-Country Head, Corporate And IB

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SANJIV MALHOTRA

SBI Board Member, Ex-Bank of America, Merrill Lynch

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TARANJIT JASWAL

Director, Barclays

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ANIL GUDIBANDE

Ex-Managing Director, RBS

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Admissions

The Prodegree is ideal for students and experienced professionals who are interested in working in the lending industry, and are keen on enhancing their technical and business understanding of the Banking, NBFC and Credit space

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Recent Graduates

Recent graduates in management (finance, marketing, international business) looking to build a career in the credit space

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Experienced Professionals

Individuals with over two years of work experience in the banking, financial services, or lending space looking for an opportunity to up skill

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Global Certifications

Individuals looking to enhance their resumes with an industry-recognized certificate

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Recent Graduates

Recent graduates in management (finance, marketing, international business) looking to build a career in the credit space

Admission-Entrepreneurs

Experienced Professionals

Individuals with over two years of work experience in the banking, financial services, or lending space looking for an opportunity to up skill

Admission-Entrepreneurs

Global Certifications

Individuals looking to enhance their resumes with an industry-recognized certificate

In Collaboration with Moody’s Analytics

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Web Lectures

Moody’s Analytics will provide online lectures on key trends and real-world challenges

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Industry-Approved Curriculum

Learn sought-after skills and gain access to high-value tools through a rigorous, case study-based curriculum designed in collaboration with Moody’s Analytics

About Moody’s Analytics

Moody’s Analytics is a subsidiary of Moody’s Corporation, established in 2007 to focus on non-rating activities, separate from Moody’s Investors Service. It provides economic research regarding risk, performance and financial modeling, as well as consulting, training and software services.

About Moody’s

Moody’s is an essential component of the global capital markets, providing credit ratings, research, tools and analysis that contribute to transparent and integrated financial markets. Moody’s Corporation (NYSE: MCO) is the parent company of Moody’s Investors Service, which provides credit ratings and research covering debt instruments and securities, and Moody’s Analytics, which offers leading-edge software, advisory services and research for credit and economic analysis and financial risk management. The Corporation, which reported revenue of $4.2 billion in 2017, employs approximately 12,300 people worldwide and maintains a presence in 42 countries.

Faculty

Ganesh Vishwanathan

Risk management, credit analysis and corporate and retail banking. SBI, ICICI Bank, GARP

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Muralidharan

Risk management, retail and corporate credit. Bank of Maharashtra

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Credit Risk and Underwriting Prodegree Video’s

Moody’s Analytics and Imarticus collaboration

Credit Analyst role

FAQs

What is the Moody’s Analytics collaboration about?
The program has been co-created with Moody’s Analytics, a leading finance intelligence firm. Moody’s Analytics involvement in the Credit Risk and Underwriting Prodegree includes curriculum design, content development and program delivery. Partnering with an industry leader in the credit training space ensures that the curriculum is current and relevant.

What is the program format?
The Credit Risk and Underwriting Prodegree is a 140+ hour program delivered online via live instructor-led classes with expert faculty for real-time learning and interaction with batch mates. Class times are fixed, and you are required to be available for your classes at the scheduled time each week.

Why Imarticus above any other institute?
The Imarticus Credit Risk and Underwriting Prodegree is unique because you receive a Moody’s Analytics-endorsed certification at the end of the program. It provides in-depth coverage and a deep understanding of credit management and analysis. The program covers more than any other Indian credit risk program, giving you a global perspective on credit management by describing various types of consumer and business loans and the use of Fintech and analytics in the lending industry.

What is the duration of the program?
The Credit Risk and Underwriting Prodegree is a three-month program, if completed part time (on weekends) online. Please contact the nearest center or our online hotline for more information.

What certificate will I get ?
Following the successful completion of the program, you will be awarded the Credit Risk and Underwriting Prodegree Certification, co-branded by Imarticus and Moody’s Analytics.

What expectations should I have for the Credit Risk and Underwriting pro-degree course?
The curriculum covers foundational to advanced topics. The program is rigorous and requires a time commitment from any participant (about 8-12 hours a week, including lecture delivery hours, assignments and pre-reading).

Do you guarantee job placements?
As a policy, we do NOT guarantee placements. Our Placement Assistance team will provide you with the ideal platform to launch your career through resume-building and interview preparation sessions, mock interviews and mentorships. Our team will also work towards finding you interview opportunities and thoroughly prepare you prior to every interview.

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Speak to a Career Advisor