On Campus/Online Programme on

Effective Credit Monitoring of

Corporate and SME Advances
July 11 – 14, 2022
(On Campus Duration 4 days)
(Online Course Duration 15 hours)

Programme Directors
Prof Sanjay Kanchi
Dr Elizabeth James

National Institute of
Bank Management
Pune, India
Introduction
A well appraised loan proposal assesses all the risks involved in a loan proposal and
enables banks to put in place risk mitigation measures to avoid future losses. However, an
appraisal looks at risks perceived at the time of assessment only. In the dynamic world of
today, we have seen risk profiles of borrowers undergo sudden or gradual change due to
unknown or unanticipated factors. Therefore, effective credit monitoring assumes great
significance. Credit monitoring aims at ensuring compliance of terms of pre-disbursement
conditions, keeping documents legally enforceable, end use of funds as per the loan
agreement to prevent diversion of bank funds, security offered to the bank against advance
being physically and legally recoverable, and monitoring early warning of deterioration in
financial health for undertaking preventive steps.

Objectives
This programme is designed to enhance awareness and upgrade skills in credit monitoring
and identifying early warning signals of the bank officers entrusted with monitoring portfolio
of corporate and SME advances in the branch/Zonal office/Head office level.

Programme Content
v Post Sanction Credit Monitoring of Corporate & SME Advances including
inspection of movable and immovable assets, Scrutiny of Stock statements,
Financial Follow up report, Use of Audit reports, Insurance, etc.
v Early Warning Signals in conduct of account
v Earnings Manipulation & Financial Reporting
v Cash-flow Analysis & its Significance
v Pre & Post Shipment Credit Finance : Monitoring Aspects
v Use of Core banking system for internal audit.
v Credit and Operations Risk management.

Pedagogy
Recorded and live lectures will be done by faculty members of NIBM and also by
Industry specialists. Case Lets/situations will be used for illustrations in explaining
related regulations and operations

Target Audience
This programme is intended for bank officers responsible for monitoring of
corporate and SME advances at branch/Regional office/Zonal office/ corporate
office.
Modalities
Online programme
This online course will have 15 hours of engagement time spread over a maximum 4 days,
which includes several self-paced study and live interactions of participants. The
courseware will include the following:
I. Reading material for self-study, Case study or exercise material and Online references
II. Video sessions comprising of:
(i) Pre-recorded video sessions on several topics.
(ii) Live video sessions by faculty or guest lecturers, for discussions, clarification of
doubt, etc.
Participants enrolled to the programme will be provided with log-in id and password to enter
into the learning platform of the institute. Guidance will be provided for navigating through
the various activities in the platform such as accessing courseware, viewing video sessions,
participating in live sessions, etc. Live session schedule will be provided at the start of the
programme. Executives attending the programme would need internet access on a desktop
or laptop with Google Chrome to enable access to live and recorded sessions.
On Campus Programme
The Participants attending the programme on campus will be subject to the prevailing
guidelines for educational institutions as per notifications by government/civic authorities.
The session schedule will be provided before the commencement of the programme which
will include the live session timings and the schedule to be followed for watching the pre-
recorded sessions.
To view the live/recorded sessions, participants must have a stable internet connection on a
desktop or laptop with WebEx/Google Chrome.guidelines for educational institutes as per
notifications by government/ civic authorities.

Dates : July 11 – 14, 2022 (15 hours of online engagements)

The programme will commence at 9.00 a.m. on July 11, 2022 and will conclude by 5.00 p.m.
on July 14, 2022.
The participants are requested to report by the evening of July10, 2022.
Venue: NIBM Campus, Kondhwe Khurd, Pune, India
Accommodation
The programme is fully residential for on campus participants. Participants will be provided
well-furnished single room AC accommodation in the Institute's hostel complex on the
campus. However, they will not be permitted to bring their family members to stay on the
campus. In case any Officer/ Executive with physical/ medical disability is being nominated,
kindly inform us in advance with particulars of disability to facilitate necessary
arrangements. The Institute has facilities for outdoor and indoor games and a large walking/
jogging trail for physical fitness besides a yoga centre. Participants are therefore
encouraged to bring appropriate clothes/ gear.
Completion Certificate
A completion certificate will be given to the participant at the end of the programme.
Participant has to remain logged in for at least the total number of engagement hours within
the duration of the programme for being considered to have completed the same.
 Nominations and Enquiries
Nominations are invited from both Institutions and Individuals from India and Abroad.
Executives working in banks/financial institution/ consulting firms/ technology firms in
the banking and financial services domain can apply for the programme in their
individual capacity.
Please address your enquiries and nominations to:
Prog Sanjay Kanchi
Dr Elizabeth James
Programme Directors
National Institute of Bank Management
NIBM P O, Kondhwe Khurd
Pune 411 048
Tel : 0091-20-26716000 (EPABX)
E-mail : sanjay.kanchi@nibmindia.org
elizabeth@nibmindia.org
Website : www.nibmindia.org

For nominations, please login using the following link:

https://erp.nibmindia.org/POApplication#/

Last Date for receiving nominations for Online: July 08, 2022
Last Date for receiving nominations for On Campus: July 01, 2022
Last Date for availing Early Bird Incentive of 5%: June 25, 2022

On Campus Programme Fee (per participant)

US $ 1600 for foreign participant
Fee GST Fee+GST TDS
Member Banks : 45000 8100 53100 4500
Non-Member Banks : 52500 9450 61950 5250
Individual Nominee : 52500 9450 61950 ----

The fee includes the cost of tuition, board and lodging facilities, teaching material,
etc. (Goods and Services Tax (GST) @ 18 % and TDS @ 10%. Kindly send the TDS
certificate on priority to NIBM).

Online Programme Fee (per participant) for 15 hours programme

US $ 600 for foreign participant
Fee GST Fee+GST TDS
Member Banks : 21120 3802 24922 2112
Non-Member Banks : 24800 4464 29264 2480
Individual Nominee : 24800 4464 29264 ----

The fee includes the cost of tuition, access to reading material and recorded videos, etc.
(Central Goods and Services Tax (GST) @ 18%, and TDS @ 10%. Kindly send the TDS
Certificate on priority to NIBM).
Discounts
1. 5% “Early Bird” discount for nominations received at least 15 days prior to
commencement of programme.
2. Bulk nominations: the following discounts will be applicable :
(a) 6-10 nominations – 5% (b) 11-19 nominations – 10% and
(c) 20 and above – 15%

Mode of Payment for Indian Participants

m The fee may preferably be transferred by RTGS/NEFT/ECS to our
A/c No. 20002400021 with Bank of Maharashtra, NIBM Branch, Pune
(IFSC Code MAHB0001124). NIBM PAN No. AAATN0040P and
GST No. 27AAATN0040P1ZJ.
m National Institute of Bank Management
NIBM Post Office, Kondhwe Khurd, Pune 411 048, INDIA.
Mode of Payment for Foreign Participants

Mode of Remittance: SWIFT*

1. Name & Address of
our Bankers
2. Name of the Beneficiary
3. NIBM's Bank Account No.
with Punjab National Bank
4. Bank's Swift Code
5. Preferred Currency
6. Correspondent Bank
of Punjab National Bank
7. Punjab National Bank A/c No. :
with Correspondent Bank
8. Swift Code
with Wells Fargo Bank
9. IFSC
: Punjab National Bank
C-2, Shop No. 4-5, Bramha Estate
Kondhwe Khurd, Pune 411 048
Maharashtra, India
: National Institute of Bank Management
: 11281131004402
: PUNBINBBDIB * The Foreign Bank
: USD Charges/ SWIFT
: WELLS FARGO BANK NA
charges/Commission
is to be borne by the
2000193007918
remitter. The fees
mentioned in the
: PNBPUS3NNYC
invoice/brochure is to
be paid to NIBM, net
: PUNB0108810
of all bank charges.

*Payments will be accepted only through electronic mode.

Cheques/DDs/Pay Orders will not be accepted.
m For all electronic remittances, kindly send a confirmatory e-mail at:
accounts@nibmindia.org giving details of the remitter and
participant, name and dates of programme, etc.

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