The course will enable the learners to gain the knowledge and practical skills in order to pursue a career in credit and loan processing as banks and NBFC professionals. In BBSMIT, the students are groomed on the complete credit cycle- application to disbursement, including the industry practices on compliance, documentation, and evaluation.
The basic functions that learners will learn by the end of the program are assessment of the customer, verification of documents, filtering of policies, and use of software, as well as audit readiness. The careers one can choose after taking this course are the Loan Processing Officer, Credit Operations Executive, and Back-end Banking Coordinator.
The module discusses the principles of credit and lending, enabling learners to be knowledgeable about the types of loans, lending organisations, and the major players in the process of crediting. Students are brought to the position of understanding the functionality of credit systems, and who the stakeholders are in originating loans and processing them at BBSMIT.
Different credit products found in the market are examined by the learners, including emergency personal loans, purchase of property through home loans, and business loans, among others. The section addresses eligibility, cases of use, and risk factors of each of the types.
This part puts emphasis on the differences that exist between the traditional banks and Non-Banking Financial Companies (NBFCs) concerning their framework of regulation, lending activities, and the target markets.
Students are indoctrinated to segregate between credit analysts, who evaluate the financial risk and creditworthiness, and processors, who direct the application flow and profiling documentation. The module highlights the cooperation of these roles in order to achieve smooth and compliant loan disbursement.
This module introduces the learners to the entire process of loan application so that they can have a clue on how a lead can be converted into an approved and disbursed loan. The students at BBSMIT get to know all the steps involved in the process to arrange all the coordination and compliances, as well as close the loans timely manner.
Students get the experience of the full cycle of a loan, i.e,. Not only making a loan capture, but transferring it into a formal application and following its progress, through credit checks and approvals, through to final disbursal. Special focus is on time control, accuracy of data, and satisfaction of the customer.
This part describes key management and units of various entities in the loan development, like relationship managers, credit officers, operations units, legal and technical reviewers, and disbursement units. The students have known the role of every stakeholder and how to coordinate in order to do things faster.
The learners learn how documents are moved stepwise, beginning with their collection and verification, internal approval routing, and storage. The module equips the students with the right records and ensures that the documents are appropriately kept and ready when it comes to auditability in the lifecycle.
This module will ensure that learners have the necessary skills in the verification of every necessary document that has to be processed to get a loan. Students in BBSMIT are taught to adhere to standardized checklists as well as ensure the documents are of institutional and regulatory quality.
The students are taught about ways to gather and check the identity and address documents as part of the KYC (Know Your Customer) operation. The module focuses on identifying the mismatch and verification of documents in line with the application information.
This part will educate the learners on how to appraise income records as a way of determining loan eligibility. They are taught to examine salary slips, income tax returns (ITR), and bank statements to confirm the level of consistency, stability, and repayment capacity of the income.
Students learn how to gather and examine important property records, including encumbrance certificates, valuation reports, ownership proofs, and sale deeds, for secured loans, such as home or mortgage loans. They are aware of how crucial it is to confirm technical and legal factors prior to payment.
This module trains learners to assess the creditworthiness of loan applicants using standard evaluation metrics. At BBSMIT, students understand how to interpret credit reports and evaluate financial risk before recommending approval.
Learners are introduced to credit bureaus, focusing on the structure and significance of credit reports. The module explains how scores like CIBIL affect lending decisions and how to identify red flags within credit histories.
This section covers the importance of the Debt-to-Income ratio in determining an applicant’s repayment capacity. Students learn to calculate and interpret DTI to decide whether an applicant qualifies for a loan under standard thresholds.
Students learn to identify high-risk indicators such as frequent loan applications, unstable job history, or prior defaults. The module trains them to escalate or reject red-flagged profiles as per company policy.
This module trains learners to evaluate loan applications against institutional policies and eligibility criteria. At BBSMIT, students gain a comprehensive understanding of how to apply filters to ensure only qualified applicants proceed in the loan approval process.
This section introduces learners to the internal policies set by banks and NBFCs that govern applicant eligibility. Students learn to apply filters such as acceptable loan-to-value ratios, maximum exposure limits, acceptable industries/employers, and sanctioned credit limits based on applicant profiles.
Students are well aware of the common eligibility standards based on income levels, age groups, and occupation groups (e.g., salaried, self-employed, and government). Students are also trained in the module to evaluate the proof of income, stability of employment, and continuity so as to establish the capability of the applicant to repay.
Students are introduced to restricted profiles and regions based on historical default data or policy exclusions. This includes identifying blacklisted customers, high-risk geographic zones, and occupations flagged under institutional norms. Learners are trained to screen these early in the evaluation process.
This module introduces learners to the essential software and tools used across the banking and NBFC sectors for efficient loan management. The focus is on building proficiency in both automated and manual systems used during the credit lifecycle.
Students are practically exposed to a Loan Origination System, otherwise known as a centralized tool utilized in managing the loan applications, starting from submission to sanctioning. The module will deal with the data entry, tracking applications, uploading documents, and approvals, as well as other functions that include integration with underwriting and verification tools.
Students who are prone to situations needing the capacity to manually process their activities are trained on the use of Excel as their tracking application. They are even taught how to keep up loan registers, change verification status, check the level of pendency, and make MS reports daily using simple cuts and filters.
Learners are introduced to platforms that retrieve real-time credit scores from agencies like CIBIL, Experian, or CRIF. The module trains them to log into these portals, fetch reports, interpret scores and remarks, and download the reports as part of loan documentation.
The issue of interdepartmental and external communications is of great concern to the extent that its necessity is underlined in this module. In BBSMIT, trainees are socialized on how to come up with good communication habits that minimize delays and enhance quality service delivery.
The learners will be taught how to plan on updating the sales staff members concerning the current position of every file, from receipt to approval or rejection. The module identifies business practices in relation to recording the changes, the remaining list, as well as how to professionally handle escalations.
In this section, students get the necessary training to learn how to talk clearly and respectfully to clients when not all required documents are available. Students get an idea of how to come up with a request template and how to explain the requirements, and create reasonable expectations without having to destroy the customer experience.
Learners learn to liaise with credit or risk officers in clearing up doubts or acquiring approvals. The module will discuss how to escalate, how to clear up any discrepancies, and how to present the case to turn around more quickly.
This module assists the learner to develop the working discipline needed to be able and manage the turnaround times (TAT) as well as uphold the quality of accuracy when it comes to documentation. In BBSMIT, students learn how to foster efficiency practically without losing out on compliance.
The students are taught how to monitor and compute the turnaround of different stages of the loan processing cycle, from receiving the file up to the disbursement. The training provided by the module includes service-level contracts (SLAs) as well as the best ways to achieve or surpass the deadlines.
This part teaches the learners to be able to cross-check and validate all documents accurately. The focus is put on the prevention of common mistakes, like incorrect matches, data, inconclusive forms, and absences of signatures, and files can be transferred without bringing them back and forward.
Students learn about the most common causes of file rejections as well as proactive ways to prevent them. The methods for assuring document accuracy, double-checking eligibility, and cross-checking data are thoroughly discussed in order to increase approval rates.
In this module, the learner is acquainted with why regulatory compliance is important in the regulation of the loan processing environment. BBSMIT students develop the entry-level knowledge of the main principles and the way of how to assist internal audits and how to make sure that the data is sound.
The simple regulatory standards provided by the Reserve Bank of India (RBI) and guidelines exclusive to NBFCs are introduced to the learners. It is a part of the generation of compliance awareness with regard to loan processing and data handling.
In this section, students are trained on how to prepare in the case of internal audits through the preparation and maintenance of records, the completeness of records as well and audit readiness. Learners learn that audit trails are important and how to answer audit queries without conceding any ground.
The learners are schooled about the need to protect the information of clients and confidentiality. The module discusses best practices of data storage, access controls, and retention according to legal and institutional requirements.
This module develops students’ skills in managing daily reporting and Management Information Systems (MIS), essential for operational tracking and process visibility in the loan department.
Learners are taught how to track daily inflow and outflow of loan applications to ensure workload balance and productivity monitoring. Techniques for maintaining file registers and logs are also covered.
Students explore how to use status dashboards for real-time file tracking—visualizing pending, approved, and rejected files for better workflow management and escalation control.
This section introduces manual and software-based reporting formats. Learners practice creating structured daily reports for management review, ensuring the accuracy and timeliness of shared data.
Enroll now in the BBSMIT Certified Credit & Loan Processing Specialist course to learn skills relevant to the field, such as regulatory rules, document verification, communication with clients, and credit analysis.
Limited Seats Available – Enroll Today!
Website: www.bbsmituni.com
Types of loans: personal, home, business Lending institutions: banks vs. NBFCs Role of credit analyst vs. processor
Lead to login to disbursement Stakeholders involved Document flow process
KYC (PAN, Aadhaar, address proof) Income proof: salary slips, ITR, bank statements Property papers (for secured loans)
CIBIL & credit score basics DTI (Debt-to-Income) ratio Red flag identification
Bank/NBFC policy filters Minimum income, age, employment type Negative profiles/locations
LOS (Loan Origination System) overview Excel-based file tracking Credit score platforms
With sales team (file status updates) With clients (missing documents) With credit/risk team (queries)
Turnaround time calculation Error-free documentation handling File rejection reasons & reduction
RBI/NBFC norms (basic awareness) Internal audit prep Data privacy & record-keeping
File count tracking Status dashboards Daily reporting format (manual/software)
Programing
Speak English
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