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CARE ADVISORY

RESEARCH AND TRAINING


About Us
• Established in 1993, with over 23 years of experience, CARE Ratings is a full-service
credit rating agency offering products and services spread across three broad areas
i.e. Ratings, Grading and Research. CARE Advisory Research & Training Ltd. (CART)
is a wholly-owned subsidiary of CARE Ratings.
• CART got incorporated on September 6, 2016, with the objective of rendering
financial and management advisory service, undertaking diligence studies and
appraisals of all types of projects and other related research.
• We also strive to be recognized as a knowledge-based company. Our endeavour is
to customize our training program in such a way so as to simulate practical
situations, which helps in gearing up to the dynamic business requirements.
Excellence in SME lending

Credit Analysts and Relationship Managers in SME Business


Objectives
• Two day intensive programme for persons working in the area of SME financing.
• The course will cover all aspects of SME business and will provide participants with
foundation and skills necessary to originate and manage this business in a
profitable and risk contained manner.
• The success of SME business lies in understanding the target market and making
judgement based on less than perfect information.
• The course will have several case studies/case lets and group tasks to appreciate all
risks including promoters risk and asymmetry in information in the SME lending
space.
• The course will also outline emerging products and practices- Digital Lending,
Vendor Bills, TReDs etc.
Provide a better orientation towards SME business domain in India.

Analyse fundamental non-financial risks associated with SME lending – Industry risk,
management Risk and Market Risk

Analyse Financial Risks from financial statements – Liquidity Ratios, Profitability Ratios,
Coverage Ratios, Break Even Ratios, Common Size Vs Peer group analysis.

Understanding of credit appraisal techniques and risk rating methodologies.

Facilitate better selection of clients by understanding risks and mitigants, key success factors
in each business.

Sample Product Design for various segments – Group Task

Assessment of Fund and Non Funded Working Capital limits – Various methods. Orient participants
towards product lending which is inherently risk mitigated.
Day 1

Session 1
Day 1

Session 2
Day 1

Session 3
Day 1

Session 4
Day 2

Session 1
Day 2

Session 2
Day 2

Session 3&4
Upcoming Training Program

Excellence in SME Lending


19-09-2018 to 20-09-2018 at 09:30 AM
City: Surat
Location:
The Gateway Hotel Athwalines

https://www.care-trainings.com/training-programs/index
Website Links
• www.care-trainings.com
• www.care-advisory.com
• www.care-cart.com
Contact Info

CARE Advisory Research & Training Ltd.

4th Floor,Godrej Coliseum, Somaiya Hospital Road,


Off Eastern Express Highway, Sion East, Mumbai
Maharashtra 400022

Phone: 022 6754 3456

Email: cart@care-cart.com