Sound lending procedures in financial institutions involve identifying high-risk loan applicants, varying lending conditions and monitoring repayments....
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Published 2016/05/21 English
Sound lending procedures in financial institutions involve identifying high-risk loan applicants, varying lending conditions and monitoring repayments.
Among the various risks encountered within the financial system, Credit Risk seems to be a major concern for financial institutions; this is as a result of its grave impact on its financials. A recent statistics by World Bank indicated a 73.3 percent rise in the percentage of non-performing loans to gross loans of Nigerian financial institutions between 2014 and 2015.
Also important in this regard is the need to strike a reasonable balance between liquidity and profitability.
This course offers you an opportunity to develop a general framework for assessing business risks over a wide range of company types and business sectors. You will be able to understand and correctly use the basic tools of credit risk management, both from a theoretical a practical view point while complying with stringent regulatory requirements.
At the end of this course, you will be able to:
Recognise specific dynamics in structuring a facility as well as identify Early Warning Signals (EWS) to aid decision making
This course has been broken into bit sizes for your better comprehension.