My Skill Lab
Banking · Credit Risk Management & Loan Recovery FinanceAdvanced

Credit Risk Management & Loan Recovery

Classify, provision, restructure and recover loans the NRB way.

Taught by My Skill Lab Banking Faculty · Credit Risk & Recovery Practitioners

What you'll learn

  • Classify loans into NRB's performing and non-performing categories and explain the matching loan loss provisioning.
  • Measure portfolio risk using NPL ratio, concentration, sector and single-obligor exposure analysis.
  • Design an early intervention plan and evaluate when restructuring or rescheduling is appropriate under current NRB rules.
  • Run the legal recovery process: notices, collateral auction, CIC blacklisting and related remedies.
  • Link credit risk to capital, ECL under NFRS 9 and the bank's risk appetite statement.

About this course

An advanced course for credit risk, credit administration and recovery staff in Nepali BFIs. It covers NRB loan classification and provisioning, portfolio and concentration risk, early intervention and restructuring, and the legal recovery path from notice to auction and blacklisting.

Course content

5 lessons
  1. 1Credit Risk Governance and Risk AppetiteWho owns credit risk and how limits are set and monitored.Preview
  2. 2NRB Loan Classification and ProvisioningPass, watch list, substandard, doubtful and loss, and why provisioning matters.
  3. 3Portfolio Analysis and Early InterventionReading the portfolio, spotting trouble, and acting before default.
  4. 4Legal Recovery: Notices, Auction and BlacklistingThe formal recovery route under BAFIA and NRB directives.
  5. 5Credit Risk, Capital and ECLHow credit quality flows into capital adequacy and NFRS 9 numbers.