POST GRADUATE

PROGRAM IN
BANKING & CREDIT
UNDERWRITING
GUARANTEED PLACEMENT

PAY ONLY AFTER PLACEMENT!

B.Com : 3 lakhs PA

MINIMUM SALARY GUARANTEE MBA : 4 lakhs PA

CA/CFA : 6 lakhs PA

INCOME SHARING AGREEMENT – PAY 17%

OF YOUR INCOME

Learn in-dept skills to become a Credit Professional

Deep understanding of the lending industry

6-month full time program

TOP COMPANIES:
WHAT’S THE PROGRAM ABOUT?
The Post Graduate Program in Banking and Credit Underwriting is a 6-
month full-time comprehensive program designed to develop a candidate’s
understanding of the banking and lending industry to prepare them for
roles across Credit Risk, Credit Analysis, Credit Management, Accounting
and Financial Planning. You can choose between two specialization tracks:
1) Credit Analysis and 2) Credit Management based on your skills and
eligibility. This PG program has a unique structure where you pay your fees
only after you get placed. Further, we will give you a minimum salary of
anywhere between Rs. 3 Lakhs to Rs. 6 Lakhs depending on your
qualification. Your actual salary could be even higher!

ISA CALCULATIONS
Program fee is dynamic, as it depends on the CTC you get

Imarticus will offer candidates minimum guarantee of Rs 3 lakhs – 6 lakhs

CTC based on educational qualification, aptitude score, PI and academics
Say for example you are eligible for a minimum guarantee salary of Rs 4 lakhs p.a.

MINIMUM GUARANTEE ` 4,00,000

ACTUAL SALARY PER MONTH PAYMENT PER YEAR PAYMENT NO. OF YEARS TOTAL PAYMENT

` 3,50,000 ----------- ----------- ----------- -----------

` 4,00,000 ` 5,667 ` 68,000 3 ` 2,04,000

` 4,50,000 ` 6,375 ` 76,500 3 ` 2,29,500

` 5,00,000 ` 7,083 ` 85,000 3 ` 2,55,000

` 6,00,000 ` 8,500 ` 1,02,000 3 ` 3,06,000

` 7,00,000 ` 9,917 ` 1,19,000 3 ` 3,57,000

ISA IN NUMBERS

17% 3
YEARS
36 0%

% of Income Duration No. of Interest

to be shared of income payments rate
monthly sharing

HOW IT WORKS?

Assessment Begin
Process Training

Begin Confirm Get

Application Registration Placed!
&
Select
Specialization
 PROGRAM HIGHLIGHTS
The Post Graduate Program in Banking and Credit Underwriting is
a 6 month full time comprehensive program designed to develop a
candidate’s understanding of the banking and lending industry.

INDUSTRY TWO TRACK VERSATILITY PAY LATER!

ENDORSED COURSE
Cutting-edge Choose between a Caters to B.Com, Structured around
program with an Credit Analyst Track MBA and CA unique Income
industry curriculum and Credit candidates with Sharing
designed and management Track applications across Agreement model
delivered by based on your Capital & Markets where you pay only
industry experts skillset and Research after getting a
preferences. placement

CURRICULUM

FOUNDATION

SEMESTER 1 - FINANCE PRIMER

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Finance and Financial Sector

MACROECONOMICS Introduction to Banking
Economic System

Market Microstructure
FINANCE Wealth Management
Investments - Products

FINANCIAL Credit Analytics an Introduction

ANALYSIS Credit Management in Banks and NBFCs

FINTECH BASICS Introduction to Fintech

EVALUATION Evaluation -1

SEMESTER 2 - RETAIL, CORPORATE BANKING AND NBFCS

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

BANKING Introduction to Banking System

PRIMER

Deposit Products & Operations

Retail Lending – Loan Products & Operations
Other Products and Services
RETAIL
BANKING Mobile Banking
Internet Banking
POS Terminals
Branchless Banking

Introduction to Corporate Banking

Debt Products
Liability Products
CORPORATE
BANKING Working Capital
Trade Finance
Forex Sales and Operations
INCOTERMS 2020
SEMESTER 2 - RETAIL, CORPORATE BANKING AND NBFCS

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Treasury Products
International Payments
CORPORATE Asset Liability Management
BANKING
NPA management
Fintech in Corporate Banking

Overview of Non-Banking Financial Companies (NBFC)

Sourcing Channels
NBFC
Collection
Digital innovations in NBFCs

EVALUATION Evaluation -2

SEMESTER 3: BLOCK CHAIN AND DLT

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

FINTECH FOR
MANAGING Access to Capital (LendTech)
CAPITAL

Block Chain Concepts

BLOCK CHAIN
Cryptocurrencies

ANALYTICS Analytics and Machine Learning

EVALUATION Evaluation -3

SEMESTER 4: RISK MANAGEMENT & COMPLIANCE

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Risks and Types in Lending in India

RISK Types of Risks in Lending

MANAGEMENT Enterprise Risk Management - Regulatory Prescriptions
and basel

Client onboarding
REGULATORY Anti-money laundering
FRAMEWORK
Compliance in Banking

FOUNDATION

SEMESTER 5: MACRO ECONOMIC OVERVIEW

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Overview of Banking and Financial Services in India

INDIAN relative to Lending
FINANCIAL
LANDSCAPE NBFCs, Micro Financing Institutions
Macro and Micro Economic Factors in Lending in India

Digital Lending models

DIGITAL
LENDERS Digital Lending Technology Models

Regulator Led Lending Practices

ROLE OF
REGULATORS Bank licensing policies - Economic Growth through
Lending Practices
Central Banks and the control of money supply
Role of RBI

SEMESTER 6: CREDIT ELEMENTS

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Credit and credit risk in Lending Practices in India

CREDIT Key components, drivers, measurement
MANAGEMENT
IN BANKS Best Practices in Lending
AND NBFCS
Impact of credit risk on bank profitability and capital
 CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Fundamentals of capital adequacy framework - Basle

CREDIT accords and implementation in India
MANAGEMENT
IN BANKS Contours of a credit policy
AND NBFCS

CREDIT Types of borrowers and their legal status

PRODUCTS
Need for borrowing and main elements of Credit
Analysis
Overview of Credit Facilities
Lending Products- Retail Lending Products
Commercial Lending Products NBFC Products

SEMESTER 7: CREDIT UNDERWRITING

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

BASICS Credit marketing

Interest rates - time value Credit Scoring and Risk
Based Pricing
Structuring a Loan Proposal
Supporting documentation for a loan proposal
Underwriting and approval hierarchies - Delegation
of powers

Preliminary scrutiny, understanding of credit

requirement

STEPS FOR Due diligence - CIP, CAP, CDD, EDD - Understand and
UNDERWRITING follow KYC/KYCC Policies
AND APPROVAL
Credit Risk assessment Framework
Negotiation of Credit Terms with Borrower
Approval memo - LOI and Commitment Letter
Final approval, arrangement letter

Risk Based Approach to Lending

Discuss the 3 Pillars of Credit Risk Management
Structure Risk in Lending
Industry and Business Based Risk in Lending

RISK Management risk in Lending

ASSESSMENT Financial risk in Lending
Credit Risk in Lending
Money Laundering Risk in Lending
Fraud Risks in Lending
Operational Risk in Lending

Accounting basics - IFRS /Ind AS Model examination

Statutory audit, Credit Audit, External review
Guide to Spreading Financial Statements
FINANCIAL Profit and Loss Account - Ind AS
STATEMENT
ANALYSIS Balance Sheet - Ind AS
Cash flow statement - Ind AS
Auditors' report, notes on accounts - Ind AS
Interpretation of financials - Ratios

Basis of projections
Achievability
- Models
- Probability of Default
PROJECTIONS
- Benchmarking by using Market Analytics
- Lender due diligence and credit skill based
achievability matric
Modifications

Basics of assessment, acceptable parameters, margins

LOAN Assessment of working capital loans (Fund and Non
ASSESSMENT Fund Based)
Term loan assessment

Security

SECURITY AND Tenor

STRUCTURING Asset based or Covenant Based Structuring
Credit enhancement
 CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

What do ratings indicate

External credit ratings
Internal Credit Ratings
Credit Culture
CREDIT RATINGS
Third Party Rating Review
Credit rating agencies, domestic and international
Credit Rating Models and their Elements
Credit Rating and capital requirement

Data sources - Traditional and new age

Evolution of Lending Data
Introduction to Credit Analytics
CREDIT ANALYTICS
Credit Analytics - Techniques, platforms
Credit risk model and scorecard development -
Risk Scorecard dev, LGD, PD, EAD

SEMESTER 8: CREDIT CLOSING

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Legal Environment and Lending in India

Basis of documentation and related legal aspects
Preliminary Due Diligence
Identify Appropriate Loan Documents
Select and Draft Relevant Documents
Incorporate all Relevant Covenants/Conditions
DOCUMENTATION Document signing procedure
Filing of Documents and perfection of security interest
Asset identification and valuation for security and
documentation
Creation of Security Interest - Process and legal aspects
Assessment of various types of security
Digital verification and documentation - eKYC, Aadhar
etc

Conduct and Follow up of Loan accounts

Risk Mitigation
MONITORING Key monitorables and actions
Monetary - Online Payments
Modifications

Recovery
COLLECTION Delinquency
Tech enablers in identifying Probabilities of Default

CASE STUDY Credit Administration

SEMESTER 9: REGULATORY

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Indian Contract Act, Bills of Exchange Act

Negotiable Instruments Act
COMMERCIAL LAW Sale of Goods Act
Transfer of Property Act - Key Sections relevant to
asset custody and sale

DRT Act
RECOVERY LAWS SARFAESI
Insolvency and Bankruptcy Code

REG TECH Evolution of Reg Tech

 SEMESTER 10: JOB READY SKILLS

CREDIT CREDIT
TRACK MODULE ANALYST MANAGEMENT
TRACK TRACK

Types of Communication
COMMUNICATION
Personal Communication
SKILLS
Business Communication

The Why, The What and The How of Resumes

Personal Branding
Tips and Resources
RESUME WRITING
Interview Skills
Using Social Media
CV Discussion

INTERVIEW Interview Preparation

PREPARATION - HR

Banking Experts Guide You on How to Prepare for

INTERVIEW
PREPARATION Technical Interview Round with Tips, Tricks and a
- DOMAIN
Quick Refresher on Concepts Learnt

CASE STUDIES

Case Study on Risk Assessing the risk of loan default leading to

Assessment/ Analytics loss of capital and income

Examining the Financial Statements i.e. Profit and Loss Account

Case study on Financial
Statement, Balance Sheet and Cash Flow Statement of a borrower
Statement Analysis
account for sanction of a loan or a renewal

Case study on Examining the financial and business case projections made by
Projections the borrower who have approached the lender for a loan

Case study Loan Examining the Overall Loan Proposal for taking a decision as
Assessment to whether to lend or not

Case Study Covenant How to set various covenants governing the loan proposal
Setting

Case Study Creating Examine a case for creating lender charge over primary and
Security Interest Through collateral security. What are the regulatory prescriptions and
legal procedures legal requirements

Case Study - Examine a case of a loan sanctioned for the purposes of

Documentation
creating and signing loan documents governing the loan
Preparation

Case Study - Credit Risk Examine a case involving external and internal credit risk rating
Rating Exercise exercise to assign riskiness to the loan

Examine a case where primary and collateral security are

hypothecated, pledged, mortgaged to the bank or proposed and

Case Study - Asset Value arrive at the realisable market value on a current or future date in
Evaluation the event of a default or to recalibrate the valuation thereof,
through inhouse valuation techniques or through external
vendor valuation
 GROWING DEMAND FOR CREDIT ANALYST

7,332 22,000 26
April,2019 January,2019 Lakh carore

Credit Research Analytics Job on Naukri Size of credit

on Monster India pertaining to credit Market in India

AVERAGE SALARIES

AVERAGE
AVERAGE
CREDIT ANALYST
Rs 524,834 SENIOR CREDIT Rs 524,834
Avg. Salary
ANALYST Avg. Salary

` 205k ` 525k ` 1m ` 375k ` 861k ` 2m

10% 50% 90% 10% 50% 90%

DIVERSE JOB ROLES

CREDIT UNDERWRITING PRIVATE EQUITY CREDIT RATING

LOAN PROCESSING PRIVATE BANKING CORPORATE STRATEGY

EQUITY RESEARCH FINANCIAL CONTROL ESCROW OFFICER

ECONOMIC RESEARCH CREDIT ANALYSIS BUSINESS MODELING

COMPANIES HIRING CREDIT RISK AND UNDERWRITING

Maxwell Louis D’Mello

works at: BNP Paribas

“My journey with Imarticus has excelled me, bringing out

my talent to its utmost, both in my personal and
professional life. I would personally like to thank the
management, the trainers and all the people
whose efforts are involved with this
institute”.
TAKE THE FIRST STEP TO SUCCESS, CALL

1-800-267-7679
TO BOOK AN APTITUDE TEST TODAY!

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