Moody's CICC

Moody's CICC:: Details

Level 1:

1 The Commercial Credit
Landscape in india

1 Overview of the commercial credit landscape in India
2 Role of RBI and legal due diligence
3 Types of credit facilities offered for commercial borrowers

2 Fundamentals of Credit
Risk, Credit Rating and
Appraisal Process
4 Understanding credit risk
5 Credit assessment framework and underwriting
6 Understanding credit ratings

3 Accounting Issues in
Financial Statements
for Bankers
7 Introduction to accrual accounting
8 Asset conversion cycle
9 Capital investment cycle
10 Operating cycle
11 Assets and liabilities
12 Financial reporting, Indian accounting standards and disclosure standards
13 Identifying creative accounting issues

4 Credit Analysis
Framework – Business
Risk Assessment
14 Credit analysis framework - business risk
15 Assessing business environment
16 Assessing industry status
17 Assessing competition
18 Assessing company vulnerability
5 Credit Analysis
Framework – Management
Risk Assessment
19 Credit analysis framework - management and owner risk
20 Management integrity
21 Management skill and execution
22 Management scope
6 Credit Analysis
Framework – Financial
Risk Assessment
23 Credit analysis framework - financial risk analysis
24 Businesses and their borrowing needs
25 Profitability ratios
26 Activity ratios
27 Capital spending, gearing, and debt coverage
28 Cash flow analysis
29 Projections, sensitivity analysis and credit risk assessment
7 Credit Analysis
Framework - Assessing
Fund-Based and Non-
Fund Based Credits
30 Assessment of working capital facilities
31 Assessment of term loan for capital investment
32 Assessment of quasi credit/non-funded facilities
8 Credit Analysis
Framework – Structure,
Securities and Risk
Mitigation Assessment
33 Group structure consideration
34 Facility structuring and documentation
35 Security and guarantees
36 Covenants and risk triggers
9 Credit Decision,
Pricing and Effective
Credit Monitoring
37 Credit decision and pricing
38 Credit administration/documentation
39 Effective credit monitoring processes
10 Commercial Banking,
Problem Credit and
NPA Management
40 Early detection signals and impairment management practices
41 Impairment grading and regulatory reporting and classification procedures
42 Recovery management process and institutional approach for recovery resolution - JLF/CDR

LEVEL 2 Skills Application Course
Level 2 comprises practical application of concepts covered in Level 1, using real-life case studies and lending scenarios.
The interactive simulations are aimed at strengthening job performance by providing candidates with realistic lending
decisions they would expect to encounter in their day-to-day jobs.
CASE STUDY SCENARIOS WILL BE USED TO BUILD THE FOLLOWING CAPABILITIES:
» Undertake an effective business risk analysis and credit assessment.
» Analyse and interpret financial statements and assess
overall financial risk (including use of CMA formats).
» Assess long-term capital expansion related term loan
requirements, using applicable assessment methodologies
and tools (CMA), and propose appropriate structure
that ensures adequate debt servicing capacity.
» Undertake proactive loan monitoring and early
alert reviews to avoid problem loans.
Certification Exam
» It is a two-hour in-person exam. A pass score
of 50% is required to earn the certification.
Conduct management risk assessment.
» Assess working capital requirements, using applicable
assessment methodologies (including MPBF) and propose
the right credit facilities based on borrower risk.
» Propose superior risk mitigation/protection through evaluating
the collateral/security controls and effective loan covenants.

The combination of both Level 1 and Level 2 courses supports the overall development and
continuous improvement of credit skills relevant to the market. Upon completion of Level 2,
the candidate will be eligible to register for the certification exam.