Navigate SME Lending Excellence: Proven Techniques and Insights

Course Overview

The SME lending business management course at Frontline Consult is a comprehensive course for risk management professionals and managers eager to master the most important models of credit risk management and to understand and discuss the fast-changing regulatory framework about SME lending.

Learning Goals

The SME Lending Business Management Training Program will provide the participants with a solid foundation in understanding credit risk, its types, and effective risk mitigation techniques.

• Understand the principles & concepts of credit risk including categories of risk, types of exposure, credit products, and expected/unexpected credit loss.
• Prepare a qualitative risk analysis for specific companies to use as the basis for financial analysis, project analysis, and risk decisions.

By the end of Lending Business Management Training Program, participants will have a comprehensive knowledge of major risks associated with credit, the techniques of credit risk management/appraisal, client onboarding, and credit monitoring that align with regulatory standards in reference to SMEs.

COURSE CONTENT

Session 1: General Overview of SME Lending

• Understanding SME business
• Regulatory provisions on SME lending

Session 2: Business Onboarding

• Identify the potential and market trends
• Segmentation and prioritization of customer
• On-boarding the customers

Session 3: Credit Assessment/Appraisal

• Credit assessment tools & techniques Key points of the financial aspect
• Fixed Asset financing techniques Working Capital assessment techniques Case study and practical exercises
• Identification and management risks associated with SME business

Session 4: Credit Monitoring

• Credit monitoring and its importance?
• Techniques involved in credit monitoring and consequences Identifying and handling the early warning signs (EWS)
• Managing delinquent accounts

Target Audience

 The Lending Business Management Training Program for SME loans at Frontline Consult is designed for:

• BM/RM/RO working in the credit department (Branch Level) 

Training Methodologies

• Instructor-led Training: Our instructor-led training offers an interactive learning experience where he will guide the participants through the difficulty of risk assessment, loan structuring, and relationship management. This hands-on approach ensures that participants are equipped to make informed lending decisions effectively.
• Learning: Participants will be enabled to enhance their lending expertise at their own convenience.
• Role Play: Incorporating role-play exercises in the training will sharpen participant’s ability to handle real-life scenarios. Through role-play, they will practice negotiating with clients, handling difficult situations, and improving customer service. This immersive learning technique enhances their decision-making skills and boosts overall confidence when dealing with SME clients.
• Case Study: Our case study approach presents real-world lending situations, allowing the participants to analyze and devise strategies for complex lending scenarios. The insights gained from these case studies will empower the participants to become more adept at crafting tailored lending solutions.

Trainers Profile

Mr. Hari Prasad Acharya
Head of Business Banking of Laxmi Sunrise Bank
Professional Degree of Chartered Associate of National Banking Institution (CANBI)

• Currently working as Head of Business Banking at Laxmi Sunrise Bank Limited. His work profile comprises looking after the overall business activities of the bank organized into five segments Corporate Banking, Mid Corporate, SME, Retail / Consumer, and agri-banking
• Mr. Acharya has rich work experience in looking after the banking business for the overall growth of the bank’s SME portfolio and non-fund-based business especially to generate a substantial level of Fee-based income contribution to the profitability.
• Mr. Acharya has been endorsed as Leaders as Coach organized by Bankers Training Institute
• An expert “CRM to lenders” and “Marketing Skill to Lenders” endorsed by the National Institute of Bank Management, Pune India

Program Venue and Schedule

Program Venue: Hukum Durbar, Kamalpokhari, Kathmandu
Program Date : Magh 13, 2080
Program Cost: NPR.8,000 + VAT
Program Schedule: 8:30 AM-3:00 PM

CONTACT US TODAY:

For further information reach out to us at 
Contact Number: +977 – 9801898004 (WhatsApp) 
Contact Number: +977 – 9801093136 (WhatsApp) 
Email: kiran@froxjob.com
Email: training@frontline.com.np