Consumer Lending Fundamentals and Credit Analysis

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Consumer Lending Fundamentals and Credit Analysis

Instructor: EDUCBA

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5 modules

Gain insight into a topic and learn the fundamentals.

8 hours to complete

Flexible schedule

Learn at your own pace

5 modules

Gain insight into a topic and learn the fundamentals.

8 hours to complete

Flexible schedule

Learn at your own pace

What you'll learn

Analyze consumer lending products, borrower profiles, and loan approval processes.
Apply credit assessment techniques using credit scores, reports, and risk evaluation methods.
Evaluate lending decisions, repayment risks, and loan lifecycle management in financial institutions.

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There are 5 modules in this course

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.

Understand the fundamentals of consumer lending, key terminologies, loan lifecycle, and core credit evaluation concepts including credit reports and scores.

What's included

7 videos1 assignment

Learn loan documentation, application processes, personal loan types, and eligibility criteria to evaluate borrower suitability effectively.

What's included

6 videos1 assignment

Explore auto loan structures, classifications, requirements, and key factors influencing approval and borrower risk assessment.

What's included

6 videos1 assignment

Analyze home loan products, eligibility factors, and understand the credit card system including authorization, settlement, and key players.

What's included

8 videos1 assignment

8 videosTotal 53 minutes

Overview of Home loans12 minutes
Key Terminologies in Home loans4 minutes
Eligibility and factors considered in Home loans6 minutes
Key components of a Home loan5 minutes
Home loan products6 minutes
Associated Home loan products3 minutes
Meaning & Types of Credit card10 minutes
Players in the credit card system6 minutes

1 assignmentTotal 30 minutes

Home Loans & Credit Card Systems30 minutes

Examine credit card loans, education loans, loan against securities, and understand debt collection, recovery procedures, and credit bureau systems.

What's included

10 videos1 assignment

10 videosTotal 49 minutes

Credit card authorizations4 minutes
Credit card settlement3 minutes
How credit card companies make money7 minutes
Credit card loans4 minutes
Educational loans7 minutes
Loan against securities7 minutes
Objectives of Debt collection3 minutes
Loan recovery procedure7 minutes
Overview of CIBIL5 minutes
Conclusion2 minutes

1 assignmentTotal 30 minutes

Credit Cards, Risk & Loan Recovery30 minutes

Instructor

EDUCBA

1,598 Courses332,384 learners

Offered by

EDUCBA

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