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Analyze & Evaluate Credit Risk, NPA & Recovery Frameworks

本课程是 Bank Credit Analysis & Portfolio Management 专项课程的一部分

位教师：EDUCBA

包含在中

了解更多

3个模块

深入了解一个主题并学习基础知识。

7 小时完成

灵活的计划

自行安排学习进度

3个模块

深入了解一个主题并学习基础知识。

7 小时完成

灵活的计划

自行安排学习进度

您将学到什么

Analyze secured lending, NPA classification, and credit monitoring systems.
Evaluate provisioning norms and early warning signals for asset quality.
Assess recovery, restructuring, and regulatory frameworks in banking.

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可分享的证书

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了解顶级公司的员工如何掌握热门技能

了解关于 Coursera for Business 的更多信息

Petrobras, TATA, Danone, Capgemini, P&G 和 L'Oreal 的徽标

积累特定领域的专业知识

本课程是 Bank Credit Analysis & Portfolio Management 专项课程专项课程的一部分

在注册此课程时，您还会同时注册此专项课程。

向行业专家学习新概念
获得对主题或工具的基础理解
通过实践项目培养工作相关技能
获得可共享的职业证书

该课程共有3个模块

Develop the ability to analyze secured lending structures, evaluate credit monitoring systems, interpret NPA classification norms, and assess recovery and restructuring frameworks in banking. This course provides a comprehensive understanding of credit portfolio management from charge creation to debt restructuring.

Learners will explore legal modes of creating security interests, drawing power calculation, early warning signals, income recognition standards, asset classification norms, provisioning requirements, and regulatory guidelines on preventing NPA slippage. The course also examines recovery strategies including compromise settlements, Lok Adalat, DRT mechanisms, rehabilitation of sick units, and Corporate Debt Restructuring (CDR). What makes this course unique is its structured progression from preventive credit supervision to advanced recovery and restructuring strategies, aligned with regulatory prudential norms. By completing this course, learners will strengthen their expertise in banking risk management, regulatory compliance, and stressed asset resolution—essential competencies for professionals in banking, finance, and credit administration.

单元详情

This module examines the legal creation of charge over securities and the supervisory framework governing credit accounts. It introduces the different modes of securing advances, including hypothecation, pledge, and mortgage, and explains their legal implications. The module further explores post-sanction credit monitoring mechanisms such as stock inspection, drawing power calculation, credit review, and early warning signals. Learners gain a structured understanding of how banks protect their exposure and proactively manage credit risk through systematic supervision and operational control.

涵盖的内容

6个视频4个作业

6个视频总计56分钟

Charge Creation in Banking7分钟
Hypothecation, Pledge & Mortgage7分钟
Credit Supervision Framework12分钟
Stock Inspection & Drawing Power11分钟
Credit Review & Stock Audit11分钟
Early Warning Signals in Credit9分钟

4个作业总计60分钟

Legal Foundations and Credit Monitoring30分钟
Charge Creation and Security Structures10分钟
Credit Supervision and Operational Control10分钟
Credit Review and Risk Signals10分钟

This module focuses on the regulatory framework governing non-performing assets (NPAs), income recognition, and asset classification under prudential norms. It explains how banks classify assets into standard, substandard, doubtful, and loss categories and the provisioning requirements applicable to each. The module also covers Special Mention Accounts (SMA) and strategies to prevent slippage of performing accounts into NPAs. Learners develop a comprehensive understanding of regulatory compliance, risk assessment, and financial stability in credit portfolio management.

涵盖的内容

6个视频4个作业

6个视频总计57分钟

NPAs & Income Recognition9分钟
Asset Classification Norms12分钟
Provisioning Requirements6分钟
NPA Slippage Prevention6分钟
Special Mention Accounts (SMA)12分钟
Non-Legal Recovery Measures12分钟

4个作业总计60分钟

NPA Recognition and Regulatory Asset Framework30分钟
NPA Definition and Classification10分钟
Provisioning and Slippage Management10分钟
Special Monitoring Mechanisms10分钟

This module explores recovery strategies, legal mechanisms, rehabilitation processes, and debt restructuring frameworks in banking. It examines non-legal and legal recovery channels, including compromise settlements, Lok Adalat, and Debt Recovery Tribunals (DRT). The module also discusses restructuring principles, prudential norms for restructured accounts, and the Corporate Debt Restructuring (CDR) framework. Learners gain insights into balancing recovery efficiency with regulatory compliance while managing stressed assets within a credit portfolio.