Retail Credit Assessment


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Duration: 30 Days

Fees: Rs.2500

Video Lectures

Powerpoint Presentations

Reading Material

Multiple Choice Question Answers

Certificate Course

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Synopsis:

Consumer lending presents a unique set of challenges by combining credit risk process with the regulatory process. This program addresses the consumer lending decision at each step by covering the application process, financial statement analysis, credit analysis, loan structure, compliance, documentation procedures and closing. The course delivers the concept and importance of Consumer credit in today’s parlance. It encompasses details of Auto loans, consumer credit, unsecured personal loans, educational loans and Mortgage business loans.

The modules covered are:

1. Types of Retail Credit

2. General Rules for Appraisal of Retail Loans

3. Assessing Home Loans

4. Assessment of Vehicle Loans

5. Risk Issues, Management and Mitigation

Benefits of undertaking this course

The trainee will understand the challenges and procedures in disbursement of loans in banks

Understand the credit risk aspects and the broad frame work of Retail Credit

Step by step process to be followed while sanctioning loans for vehicles, Gold loans, credit cards, Home loans etc

The 360 approach in loan underwriting and disbursement

Due diligence process to be undertaken before loan sanction.

A list of documents , that needs to be secured and evaluated during the process of a loan sanction

Risks assessment of disbursal , and mitigation process of the same.


Who should enrol into the course ?

All professional in the BFSI Sector , in corporates, Banks, NBFCs, Financial Investment companies and management students


What are the modules covered in the course in Retail Credit Management ?

Types of Retail Credit

2. General Rules for Appraisal of Retail Loans

3. Assessing Home Loans

4. Assessment of Vehicle Loans, gold loans, credit card loans etc

5. Risk Issues, Management and Mitigation


What do the learners take away on completion of the course

1 . A certificate issued by CARE Advisory Research and Training Ltd .

2. Recognition by a well established and highly credible rating company in the BFSI segment

3. Acceptance by the industry that a certified retail credit professional from CART has qualified under the best training environment.

4 Better employability for the successfully passed out candidate.


What is the duration of this course?
The duration of the course is 1 month.

It is a self-paced learning course, it can be completed within a month If the candidate desires to complete it sooner, he/she can complete it as soon as their course progress is 100% and final evaluation is successful.

The final evaluation can be given even after 1 day from the date of enrolment.


What is the fees for the Certificate Course in Retail Credit ?

The fees is Rs 2500 + taxes as applicable


What are the modes of payment accepted for enrolling to Retail Credit Assessment?
Payment can be done using Credit Card, Debit Card, Net Banking, UPI and Wallets (SBI Buddy, Freecharge, Ola Money, PayUMoney, PayZapp, Mobikwik)

Cheque Payments: Cheque payments have to be made in favor of CARE Advisory Research & Training Ltd. Contact us for further details.

NEFT Payments:
Beneficiary: CARE ADVISORY RESEARCH AND TRAINING LTD
A/c No.: 50200022468592
Bank: HDFC Bank
IFSC Code: HDFC0000163
Branch: Sion East - Sion Circle Branch Address: Rupam Centre, Cine Planet, Sion Circle, Sion (E), Mumbai- 400022.


How do I start my Course once I have successfully enrolled to Certificate Course in Retail Credit Assessment?

Certificate Course in Retail Credit is offered as a self-paced online learning course.

Once enrolled, the candidate can visit www.care-trainings.com and login using their email and password, then click on My Courses and View Course button to start the Course.

The Course comprises of 4 modules.

Modules consist of Reading Material, power point Presentation, Video Lecture and practise test.

Trainees must refer to all the content within maximum period of 6 months from the date of enrollment.


How do I achieve 100% course progress?
For achieving 100% course progress, candidates are required to refer all the content.
For Reading Material and Presentations, candidates have to click YES at the bottom of the screen after reviewing them.
For Video Lectures, candidates need to view the entire videos to complete the progress.
For Assignments, candidates need to attempt all the questions to complete the progress.
Once the above is completed, the course progress will be 100% and the candidate will be eligible for the Exam provided one month has passed from the date of enrollment.


What are assignments?
Assignments are basically practise tests at the end of each module. These assignments are aimed at helping the candidates to self assess their understanding of each module. It also helps prepare for the Final Evaluation Exam.


What are the details of the final evaluation and the required passing marks?

Mode: Final Evaluation will be held Online.
Duration: 15 Minutes
Total Questions: 10Multiple Choice Questions
Total Marks: 10Marks
Passing Criteria: 5 Marks


How do I become eligible for the Final Evaluation Exam? Do I need to schedule my Exam?
Candidates who have completed one month from the date of enrollment and have made 100% progress in their course will be automatically eligible for the exam. The link for the exam will appear in the Main menu. It can be attempted anytime within 24 hours the date of Enrollment. There is no need for scheduling the exam.


How can I reset my password?
To reset the password, candidates must go to www.care-trainings.com and click on Login link and then click on Forgot Password link. This will redirect the candidate to Reset Password screen. Here the candidate must enter their registered email address to receive a password reset link. Clicking on this link (received via email) the candidate will be able to choose a new password.


How do I find out my Course Progress?
The course name and the course progress percentage can be seen when a candidate logs in and clicks on My Courses.


If I have any technical queries, whom should I contact?
Candidates may write to support@care-trainings.com


If I have any academic queries, whom should I contact?
Candidates may raise a query after logging into www.care-trainings.com from the Queries section.


Can I use any web browser to access the course?
The course can be accessed using the most commonly used Internet browsers, like Google Chrome, Mozilla Firefox, Safari or Internet Explorer Versions 10, and 11.


Can I access my course from my smartphone or tablet?
Yes, candidates can access the course using any modern smartphone or tablet. Mobile apps are also avaialable for iOS & Android.


After completing the Final Evaluation Exam, when will I be able to view my results?
Candidates will be able to see their results immediately on completion of the Final Evaluation Exam.


After successfully passing my Final Evaluation exam, when will I receive my Certificate?
The Certificate will be issued immediately (in PDF format) on successful completion of the Final Evaluation Exam. The Certificate will also be sent via email to the registered email address within 24 hours.


If I fail in my first attempt at the Final Evaluation exam, how do I give the re-exam?
Candidates are allowed three attempts to pass the Final Evaluation exam. In case of an unsuccessful attempt, Candidate can request for re-exam from within the system itself and can re-appear immediately or as per their convenience within 6 months from the date of enrollment. In case of any further queries related to Final Evaluation exam, candidates can write to support@care-trainings.com


Will my employer/ HR department be informed of my results?

If the candidate is sponsored by a company, the results may be shared with their employer / HR Department.