CONTINUING BANKING EDUCATION TRAINING PROGRAMMES
PRINCIPLES OF LENDING

Duration: 2 days

OBJECTIVES

Upon completion of the programme, participants will be able to:
• Understand lending principles.
• Be aware of risks involved in lending.
• Understand different types of credit products.
• Understand different types of securities.
• Understand different types of covenants.

CONTENT

(i)   Principles of Good Lending.
      - Fundamental credit principles.
      - Basic credit factors.
      - The credit process.
      - Fundamentals of risk management.
      - Types of lending.
      - Evaluation.
(ii)  Securities.
      - Types of securities.
      - Features and attributes of a good security.
      - Assessment of securities.
(iii) Covenant.
      - Types of covenants.

TARGET GROUP

Credit Officers with up to one year of corporate lending and/or two years of retail experience.

FORMAT

Lectures, group discussions and case studies.