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Consumer Lending Fundamentals and Credit Analysis

EDUCBA via Coursera

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Overview

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Master Consumer Lending, Credit Analysis, and Loan Products in One Course. Learn how banks evaluate borrowers, approve loans, and manage risk effectively. This course provides a comprehensive understanding of consumer lending, covering the complete loan lifecycle—from application and credit analysis to disbursement and recovery. You will explore key lending products such as personal loans, auto loans, home loans, and credit cards, along with critical concepts like credit scores, CIBIL reports, and risk assessment. Designed for beginners and aspiring finance professionals, the course focuses on practical, real-world insights used in banks and financial institutions. You will gain the ability to evaluate borrower profiles, understand lending decisions, and analyze repayment risks. By the end of this course, you will be equipped with job-ready skills in lending operations, credit evaluation, and financial product knowledge, making you well-prepared for roles in banking, NBFCs, and financial services.

Syllabus

  • Foundations of Consumer Lending
    • Understand the fundamentals of consumer lending, key terminologies, loan lifecycle, and core credit evaluation concepts including credit reports and scores.
  • Loan Processing & Personal Lending
    • Learn loan documentation, application processes, personal loan types, and eligibility criteria to evaluate borrower suitability effectively.
  • Auto Loan Financing
    • Explore auto loan structures, classifications, requirements, and key factors influencing approval and borrower risk assessment.
  • Home Loans & Credit Card Systems
    • Analyze home loan products, eligibility factors, and understand the credit card system including authorization, settlement, and key players.
  • Credit Cards, Risk & Loan Recovery
    • Examine credit card loans, education loans, loan against securities, and understand debt collection, recovery procedures, and credit bureau systems.

Taught by

EDUCBA

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