Banking · Retail & SME Credit FinanceIntermediate
Retail & SME Lending in Nepal
Appraise, structure and document sound loans for individuals and small businesses.
Taught by My Skill Lab Banking Faculty · Credit & Relationship Banking Practitioners
What you'll learn
- Apply the 5 Cs of credit to retail and SME borrowers using Nepali documents such as tax returns, VAT records and bank statements.
- Calculate repayment capacity using EMI, debt-service and working capital assessment methods.
- Structure term loans, overdrafts and working capital facilities to match the borrower's real cash cycle.
- Take, value and perfect collateral, including land mortgage, vehicle hypothecation and personal guarantees.
- Prepare a clear credit proposal and post-disbursement monitoring plan aligned to NRB directives.
About this course
A hands-on course for relationship managers and credit officers who originate home, auto, personal and SME loans in Nepali BFIs. You will learn to read a borrower's cash flow, size a loan sensibly, take and value collateral, and document the facility so it stays compliant with NRB credit directives.
Course content
5 lessons- 1The Credit Mindset and the 5 CsHow lenders think about risk and how to assess a Nepali borrower.Preview
- 2Measuring Repayment CapacityEMI, debt burden, working capital gaps and simple ratios.
- 3Structuring the FacilityMatching loan type, tenure and repayment to the borrower's cash cycle.
- 4Collateral, Valuation and DocumentationTaking, valuing and perfecting security under Nepali practice.
- 5Proposal Writing and Post-Disbursement MonitoringPresenting the case to approvers and keeping good loans good.