Moodys Prodegree

Credit Risk and Underwriting Prodegree

In Collaboration with Moody’s Analytics, a Leading Global Credit Rating Agency

132-Hour Program Delivered in Classroom and Online Instructor-Led Formats

Comprehensive Curriculum Covering Credit Underwriting and Administration, Technological Innovation and Regulations

Hands-On Learning with Industry Projects & Case Studies

Pay your program fee through EMI’s

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Classroom Training
र 60,000/-

Online Instructor-Led Training

Online Self Paced Videos

Credit Risk and Underwriting Certification Course

The Credit Risk and Underwriting Prodegree, in association with Moody’s Analytics as the Knowledge Partner, is a 132-hour comprehensive program designed to develop a candidate’s understanding of debt capital markets and banking and NBFC loan markets.
It covers the lending landscape, credit underwriting, credit administration, legal and regulatory compliances and digital innovation strategies. Through a rigorous hands-on methodology, participants acquire a powerful toolkit that will help them:

  • Acquire an understanding of India’s credit landscape, and more specifically retail and SME credit
  • Learn the entire process of loan assessment to underwriting and management
  • Understand the methodologies of due diligence in credit decisions for SMEs and individuals
  • Conduct financial analysis to determine credit worthiness and assess and measure retail credit risk
  • Understand the role and impact of various Fintech innovations in the credit space

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Moody’s Endorsed

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

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Digital Innovation focused

Strong focus on digital strategies that are disrupting the lending space

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Versatility

Caters to both novices and experienced candidates with applications across Banks, NBFCs and startups

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Job Ready Program

100% placement assistance through resume building workshops, interview prep, mock interviews and mentorship

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Moody’s Endorsed

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

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Digital Innovation focused

Strong focus on digital strategies that are disrupting the lending space

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Versatility

Caters to both novices and experienced candidates with applications across Banks, NBFCs and startups

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Job Ready Program

100% placement assistance through resume building workshops, interview prep, mock interviews and mentorship

Curriculum

The Credit Risk and Underwriting Prodegree provides comprehensive coverage of the financial and credit landscape, credit elements, underwriting process, credit administration, technological innovation and regulation.

Indian Financial Landscape

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

Digital Lenders

  • Digital Lending Models
  • Digital Lending Technology Models

Role of Regulators

  • Central Bank and Control of Money Supply
  • 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 Capital Adequacy Framework
  • Contours of a Credit Policy

Credit Products

  • Types of Borrowers and their Legal Status
  • 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, Understanding of Credit Requirement
  • Due Diligence
  • Risk Assessment
  • Negotiation of Credit Terms with 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 3/4 Pillars of Credit Risk Management

Credit Analytics

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

Credit Ratings

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

Financial Statement Analysis

  • Accounting Basics – IFRS /Ind AS Model Examination
  • 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 Enhancement

Documentation

  • Legal Environment and Lending in India
  • Basis of Documentation and Related Legal Aspects
  • Asset Identification and Valuation for Security and Documentation
  • 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 Reg Tech

Training Methodology

The program is delivered using an innovative, experiential learning methodology where you learn full stack development concepts by building a real-world application. You will not only gain knowledge of Java Stack and MEAN Stack tools, but also gain exposure to business perspectives and industry best practices through guest lectures and mentorship sessions.

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STEP 1: INSTRUCTION

Flexible Delivery: The Prodegree is delivered in two modes: Classroom and Online (Live Virtual Classes) to cater to your learning preferences while ensuring maximum learning efficacy. Both modes come with 140 hours of instructor training, along with 60+ hours of HD videos to watch as per your convenience.

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STEP 2: EXPERIENTIAL LEARNING

Practical Learning: The program provides an edge through our unique case study methodology focusing on real life business scenarios. EY leadership share their expertise and best practices through 20 hours of program delivery including case studies, guest lectures and self paced videos to give you practical exposure to the industry.

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STEP 3: REINFORCEMENT

Assessments: Each topic is followed by Quizzes, Tests and Assignments that help understand and internalize key concepts.

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STEP 4: TECHNOLOGY AIDED

Centralized Learning: Manage your performance across the program through a state-of-the-art learning management system.

24/7 Support

Get 24/7 access to your course material on our state-of-the-art learning management system; extended access to all course material after the batch ends, and a dedicated student hotline with extensive support to help resolve queries.

Case Studies and Projects

Get hands-on with industry projects and build a portfolio of demonstrable work.

Credit risk analytics
  • Create a professional two-page profile of a listed company similar to those done in Investment Banks today
Commercial loan evaluation
  • Build an integrated financial model for Colgate Palmolive
  • WPL case study by EY Faculty
Education loan evaluation
  • Create a professional two-page profile of a listed company similar to those done in Investment Banks today
Auto loan evaluation (personal)
  • Build an integrated financial model for Colgate Palmolive
  • WPL case study by EY Faculty

Career

The Career Assistance Services (CAS) team works hand in hand with you to further your career aspirations. We thoroughly prepare you to be interview-ready through resume building sessions and interview preparation workshops, and assist you with applications to leading Banks, NBFCs, startups 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

Imarticus provides career assistance throughout the program to guide you on the right career path and assist you with job readiness from Day 1.

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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

Admission-Entrepreneurs

Recent Graduates

Recent graduates in management (finance, marketing, intl. business) who are looking to build a career in the credit space

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Experienced Professionals

With over 2 years of work experience in Banking, Financial services or lending space looking for an opportunity to upskill

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Global Certifications

Individuals looking to enhance their resumes with an industry endorsed certificate

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Recent Graduates

Recent graduates in management (finance, marketing, intl. business) who are looking to build a career in the credit space

Admission-Entrepreneurs

Experienced Professionals

With over 2 years of work experience in Banking, Financial services or lending space looking for an opportunity to upskill

Admission-Entrepreneurs

Global Certifications

Individuals looking to enhance their resumes with an industry endorsed certificate

Collaboration with Moody’s Analytics

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Guest Web Lectures

Subject matter experts from Moody’s Analytics’ various global offices will provide online lectures on key trends and real-world challenges

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Industry-Approved Curriculum

Learn sought after skills and tools through a rigorous case study-based curriculum designed in collaboration with Moody’s Analytics

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.

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.

Faculty

Ganesh Vishwanathan

Risk management, credit analysis, corporate and retail banking.

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Muralidharan

Risk management, retail and corporate credit. Bank of Maharashtra

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Sukesh Tandon

Credit policy, Risk management, Fintech. Citi, HDFC, HSBC

VIEW FULL PROFILE

Videos

Imarticus Learning – Credit Analyst and Underwriting Prodegree.

Imarticus Learning – Credit Analyst Role

Imarticus Learning – Credit Risk and Underwriting Prodegree by Harish Thakkar

FAQs

What is the Moody’s Analytics collaboration about?
The program is co-created with Moody’s Analytics as the ‘Knowledge Partner’.
Moody’s Analytics’ involvement in the Prodegree includes curriculum design, program delivery, and content. A partnership with such an industry leader ensures that the curriculum is timely and industry relevant.

What is the format of the program?
The Prodegree is a 132-hour program that delivers a deep understanding of credit management and analysis. The program also goes beyond what any Indian Credit Risk program covers – giving you a global perspective on Credit Management by covering various types of consumer and business loans and the use of FinTech and analytics in the lending industry.

Classroom batches: Classroom training by expert faculty at our Imarticus centers in Mumbai, Bangalore, Chennai, Gurgaon, Hyderabad, Coimbatore and Pune.
Online batches: Live instructor-led virtual classes with expert faculty for real-time learning and interaction with batch mates.
Class times for both formats are fixed and you are required to be available for your classes at a predefined time each week.

What is the duration of the program?
The Credit Risk and Underwriting Prodegree is a 3-month program if done part time (on weekends) via classroom or online mode. Please contact the nearest center or our online hotline for more information.

What certificate will I get ?
Post the successful completion of the program, you will be awarded the Moody’s Certification, Collaboration with Moody’s Analytics.

What should be my expectation from the Moody’s Analytics Program
The curriculum covers basics to advanced topics. The program is rigorous and requires a time commitment from any participant (about 8-12 hours a week including delivery hours).

Do you guarantee 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 sessions, mock interviews, mentorships, interview preparation. Our team will also work towards finding you interview opportunities, as well as thoroughly prepare you prior to every interview.

Speak to a Career Advisor

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Speak to a Career Advisor