Objectives

Adherence to the best credit practices ensures the Portfolio quality of a Bank/Financial Institute. It helps to maintain a minimal Stage III ratio and minimal Impairment provision and accordingly achieve the expected profitability of the Lending Institutes. Housing Loan product is one of the main Retail facility products and is mainly granted to individual clients and some of the Business entities. Hence, following an acceptable Housing Loan process and adherence to the Legal documentation and guidelines enable the Financial lenders to implement the best recovery process in the event any default situations are occurred. Gaining knowledge about the Housing loan will help Credit officers to follow Credit Risk mitigation tools and take wise credit decisions. Having good credit knowledge and skills of pre and post-credit monitoring will help Credit Officers to manage the Loan portfolio effectively and efficiently, and it is important to achieve a sustainable Financial Industry in the Country

Course Contents

• Module I   Introduction to Lending Business; credit policies and credit culture (4 hours)
• Module II  Collateral (Security) Management (8 hours)
• Module III Introduction to Hosing Loan and Process of Housing Loans (8 hours)
• Module IV Documentation for Hosing Loan facilities (8 hours)
• Module V  Identification of Early Warning Signals, Watch listing , Stage Wise
  Classification/NPL , Facility Restructures/Reschedulements/Impairement
  Policy, Collection , Parate Action and Writte Off Policy (8 hours)