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MSME Advances Program

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Course Highlights:

MSME lending are credit focused on Small Businesses like Small Scale Industries, Retail Trading, Commercial Transport, Professional and Self Employed people. While the Risk is diversified with smaller loans to number of customers, default percentage is higher for MSME besides higher operational expenses. This business of the Banks need continuous training to the employees handling the business as well as borrowers involved in the business activity. Automation of the process help in quicker disbursements of the loans, better Customer experience, healthier loan portfolio and lower operational costs to the Banks.

Benefits of the Programme:

  • The course will give participants a deeper understanding of MSME lending
  • The participants will be able to improve their skills in risk management in MSME lending activity.
  • The turn around time for the MSME loans drastically shortens with the expertise of the participants.
  • Participants will become more proficient at digitalization skills, resulting in a higher volume of business for the banks.
  • Banks will be able to take advantage of an increase in high yielding business with the increased skills in loan processing and disbursement which will reduce the risks associated with MSME Lending.

Who Should attend?

  • MSME Central Processing Teams
  • Lending Teams involved in Disbursement & Monitoring
  • MSME Lending sales Team
  • Audit & Inspection teams

Course deliverables:

  • Registration to SIFL Learning Platform
  • Course study material prepared by experts ( Both print & soft copy)
  • Lectures by experts with hands on experience in handling MSME
  • Pre Training Assessment
  • Post Training Test
  • SIFL Certification upon completion of training program

Customised Training:

Our training programs may be customized to meet the specific training and development solutions that match the needs of any organization and teams. Training courses can be delivered onsite, online or through a blended learning approach.

Programme - MSME​

  • Understanding the definition of MSMEs
  • Various Rules and regulations which govern the MSMEs
  • Advantages and Benefits for MSMEs
  • Necessity for special treatment to MSMEs
  • Role of SIDBI in flow of Credit to MSMEs
  • Customer Acceptance Check- Financial & Non-Financial
  • Verification of CIBIL Score or any other equivalent score
  • Assessment of Working Capital & Term Facilities
  • Analysis of Financial Analysis
  • Processing at the Central Processing Centres
  • Approval of the Facilities & Securities for MSME Loans
  • Risk based Pricing associated with the MSME
  • Credit Ratings
  • Execution of Legally valid Documentation
  • Disbursement of the facility
  • MSME Loan Digitisation
  • Due Diligence of the facilities disbursed
  • Verification of Securities and Valuation of Securities
  • Constant monitoring of the facilities
  • Follow up and timely action for MSME advances showing signs of stickiness
  • Timely Restructuring of the facilities, if required
  • Timely action for recovery of dues
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