Credit Operations for Commercial/SME Banking in Digital Era

Bankers for the lending/credit segment are required to have knowledge regarding the credit process, roles and responsibilities in the credit process, type of credit facilities, preparation of comprehensive credit proposal with the analysis of risks and mitigants, and loan monitoring as well.

The skills are required to provide proper credit facilities to borrowers with measurable risks and mitigants and are supported by a comprehensive loan performance monitoring scheme.

In addition, digital transformation for the credit process will be needed to offer significant advantages to Banks and Customers/borrowers. For Banks, the successful transformation could enhance revenue growth, achieve significant cost savings, and speed up the credit process.

After completion of this program, participants will be better able to:

• Understand the workflow of the credit process, loan monitoring, and loan restructuring.
• Prepare comprehensive credit proposals and loan monitoring reports.
• Identify the risks and mitigants that are exposed in every credit process.
• Decision strategy for loan provision.
• Conduct comprehensive loan monitoring