CONTINUING BANKING EDUCATION TRAINING PROGRAMMES

ADVANCES/CREDIT OPERATIONS Duration: 2 days OBJECTIVES Upon completion of the programme, participants will be able to: • Identify and apply the banks’ credit policies and credit review approach. • Understand the effective use of the various credit facilities available in the banks. • Analyse and interpret basic financial statements. • Understand the role and function of credit in the Tanzania financial system. • Understand the role of Bank of Tanzania in regulating lending. CONTENT • Introduction – market overview. • Your role as Customer Credits Manager. • Types of credit facilities available. • Credit policy statement. • Credit policy and the structural adjustment programme. • Accountability for credit policy breaches. • Credits-operational manual. • Credit requirements-customer information needed. • Analysis of advances and contingent liabilities. • Understanding balance sheets and cash flow statements. • Business/transaction risk-general. • Credit risk strategy. • Account opening documentation-avoiding the pitfalls. • Routine control of facilities. • Bankers reports and credit checks. • Bad and doubtful debts-causes. • Types of security documentation. • Bank of Tanzania-prudential guidelines. • Bank of Tanzania – reporting requirements. • Bank of Tanzania – accountability for credit concentration, etc breaches. • Glossary of common advances/credit terms. • Video viewing:   - Unorganized Manager.   - Interviewing Skills.   - The Balance Sheet Barrier.   - Understanding Financial Ratios. TARGET GROUP Supervisors, Credit Officers and other Officers who wish to acquire knowledge of the regulatory framework governing the Tanzania’s financial system. FORMAT Lectures, group discussions, case laws and video viewing.