IIBF CCP Syllabus 2025
The IIBF CCP Syllabus covers important topics such as credit assessment, risk management, and various credit products like working capital, export finance, and retail loans. It also focuses on the legal aspects of credit facilities, preparing aspirants to make informed decisions as credit officers. The course is structured across several modules, each targeting different aspects of credit management, ensuring a well-rounded understanding of the field.
IIBF Certified Credit Professional Syllabus 2025
In addition to theoretical concepts, the IIBF CCP Syllabus 2025 includes practical learning to help candidates apply their knowledge in real-world situations. Topics such as fraud risk management, asset resolution, and insolvency procedures are covered to prepare candidates for complex financial scenarios. The syllabus also addresses the use of modern technologies, such as AI and machine learning, for credit risk analysis.
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IIBF CCP Syllabus 2025 – Detailed
IIBF CCP certification course focuses on building expertise in credit management, a critical area in the banking and financial sectors. The syllabus is structured into several modules, each covering various aspects of credit management and related financial products.
IIBF CCP Syllabus 2025 – Module A
Topic | Details |
Principles of Lending | Safety, Liquidity, Profitability, Purpose of Loan, Diversification Risk. |
Credit Policy | Importance, Contents, Exposure Norms, Model MSE Policy. |
Types of Borrowers & Credit Facilities | Borrowers: Major, Minor, Married Women, Pardhanashin Women, Illiterate Persons, Agent, Attorney, Joint Borrowers, HUF, Proprietorship Firms, Partnership Firms, Limited Companies, Statutory Companies, Holding Companies, Government Companies, Private/Public Limited Companies, LLP. Credit Facilities: Cash Credit, Overdrafts, Demand Loan, Bills Finance (Drawee Bill Scheme, Bills Discounting). |
Credit Delivery | Types of Facilities, Modes of Delivery, Sole Banking, Multiple Banking, Consortium Lending, Syndication. Credit Thrust, Credit Priorities, Credit Acquisitions, Statutory & Regulatory restrictions on Advances. |
Credit Appraisal | Validation of proposal, Dimensions of Credit Appraisals, Six “C”s, Structuring Loan Documents, Credit Risk, Credit Risk Rating, Credit Worthiness, Purpose of Loan, Source of Repayment, Cash Flow, Collateral. |
Credit Rating | Measurement of Risk, Objective of Rating, Internal & External Rating, Model Credit Rating, Methodology of Rating, Internal & External Comparison, Model Rating Formats. |
Capital Adequacy | Probability of Default (PD): Estimating likelihood of borrower default. Exposure at Default (EAD): Measuring exposure at default. Loss Given Default (LGD): Assessing loss expected in case of default. |
RAROC (Risk-Adjusted Return on Capital) | Concept and significance of RAROC, Calculation of risk-adjusted returns, Application in credit decision-making, Comparing risk-adjusted returns across different credit products. |
Also Check: IIBF CCP Exam Date
IIBF CCP Syllabus 2025 – Module B
Topic | Details |
Analysis of Financial Statements | Balance Sheet: Definition, Classification of Assets & Liabilities, Current Assets, Fixed Assets, Non-current Assets, Fresh Casino, Intangible & Fictitious Assets, Liabilities – Current Liabilities, Medium & Long-term Liabilities, Capital & Reserve. Ratio Analysis: Liquidity, Leverage, Activity, Profitability Ratios, and Other important Ratios. Fund Flow & Cash Flow Statements: Techniques and Illustrations. |
Non-financial Risk Analysis & Macroeconomic Factors | Non-Financial Risks: Operational Risk, Legal Risk, Compliance Risk. Macroeconomic Factors: Inflation, Interest Rates, Economic Growth, Exchange Rates, Industry and Sector Analysis, Political & Regulatory Environment, Technological Changes, Social and Demographic Factors. |
Project Appraisal/Term Loan Appraisal | Types of Appraisals: Technical, Commercial/Market, Managerial, Financial, Economic, Environmental. Financial Analysis: Project Cost, Means of Finance, Cost of Production, Profitability, Sensitivity Analysis, Break-even Analysis. Capital Budgeting: Payback Period, Time Value of Money, NPV, IRR, Life of the Project. |
Credit Risk Analytics & Credit Scoring Models | Credit Risk Assessment Techniques: PD Models, LGD Models, EAD Models. Credit Scoring Models: FICO Score, Altman Z-Score, Logistic Regression Models. Advanced Topics: Model Validation, Backtesting, Use of Big Data and Machine Learning in Credit Risk, Basel III, and Regulatory Requirements. |
IIBF CCP Syllabus 2025 – Module C
Topic | Details |
Working Capital Assessment | Concept: Gross and Net Working Capital, Working Capital Gap. Components & Sources: Operating/Working Cycle, Methods of Assessment (Turnover Method, MPBF Method, Cash Budget System). Computation: Illustrations, Impact of Inadequate Working Capital, Working Capital Finance for IT & Software Industry. Loan Delivery System & Cash Flow Analysis: Commercial Paper, Credit Delivery, CMA Data Analysis. |
Quasi Credit Facilities | Non-Fund Facilities: Advantages and Types of NFB Facilities. Letter of Credits (LC): Types and Assessment of LC Limits, Bills Purchase/Discounting under LC. |
Various Types of Bank Guarantees | Types: Performance Guarantee, Financial Guarantees, Deferred Payment Guarantees. Assessment: Evaluation of Guarantee Limits, Period of Claim under Guarantee. |
Co-acceptance Facilities | RBI Guidelines: Co-acceptance of Bills for the Supply of Goods & Machinery. |
Also Check: IIBF CCP Registration Process
IIBF CCP Syllabus 2025 – Module D
Topic | Details |
Export Finance | Pre-Shipment Finance: Export Packing Credit, Running Account Facility, Sector-specific credits (e.g., Agri Export Zones, Export Credit Insurance). Post-Shipment Finance: Rupee Export Finance, Bills Purchase/Discounting, ECGC Guarantees. |
Priority Sector Lending/Government Sponsored Schemes | Categories: Agriculture, MSME, Micro Credit, Weaker Sections. Schemes: SGSY, SJSRY, Education Loans, Housing Finance, Export Credit, Differential Interest Scheme, Priority Sector Targets. |
Retail Loans | Characteristics: Advantages of Retail Loans, Retail Banking vs Corporate Banking. Products: Home Loans, Vehicle Loan, Personal Loan, Pensioner Loan, Property Loan, Education Loan, etc. CERSAI registration guidelines. |
Forward Exposure Limit & Pre-settlement Risk | Forward Exposure Limits: Definition, Importance, Management, and Monitoring. Pre-settlement Risk: Definition, Impact, and Risk Mitigation Strategies. |
Structured Finance Options | Components: Securitization, CDOs, Asset-Backed Securities. Risk Management: Benefits and Drawbacks, Market Trends, Innovations in Structured Finance. |
Alternative Source of Funding | Types: Venture Capital, Angel Investing, Crowdfunding, Private Equity. Comparison: Characteristics, Benefits, Traditional Financing vs Alternative Funding, Regulatory Considerations. |
Digital Finance – P2P Lending via FinTech | Overview: Peer-to-Peer (P2P) Lending, Role of FinTech, Benefits, Risks, Regulatory Framework, Popular Platforms, Comparison with Traditional Lending. |
Green Finance | Principles: Definition, Green Bonds, Green Loans. Impact: Environmental Benefits, Regulatory Framework, Examples of Projects, Role in Climate Change Mitigation and Sustainable Development. |
IIBF CCP Syllabus 2025 – Module E
Topic | Details |
Documentation | Meaning and Importance: Types of documents, Requisites, Selection, Stamping, Registration. Execution: Mode of Execution, Limitation Period, Law of Limitation to Guarantor. Remedy: Un-stamped/ Under-stamped documents. |
Types of Charges | Purpose and Types: Security, Lien, Negative Lien, Set-Off, Assignment, Pledge. Banker’s Role: Right as a Pledgee, Duties as Pledgee. Charge Modes: Hypothecation, Mortgages (Simple, Equitable). |
Follow Up, Supervision & Credit Monitoring | Credit Monitoring: Goals, Tools, Checklist, Statements, QIS Formats. AI/ML Analytics: For predicting “likely to default”. Supervision & Follow-Up: Processes for Monitoring, Supervision and Follow-up activities. |
Resolution of Stressed Assets | Identifying Stressed Assets: Strategies for Resolution, Legal Framework, ARCs Role, Case Studies. |
Fair Practices Code on Lender’s Liability | Practices: Loan Processing, Assessment, Disbursement, Administration, Recall/ Repayment, Grievance Redress Mechanisms. |
Insolvency & Bankruptcy Code (IBC), 2016 | Introduction: NPA Management, Income Recognition, Asset Classification. Sick Units & NPA: Policies, Guidelines, Provisioning Norms. Corporate Debt Restructuring: Mechanism, Structure, Operations. Legal Actions: SARFAESI, Debt Recovery Tribunal, Write-off. |
Fraud Risk Management in Credit | Early Warning Signals: Identifying potential warning signs, Annexure details. Red Flagging Accounts: Criteria, Procedures, Actions. Fraud Identification: Techniques and Reporting Mechanisms. Forensic Audit: Importance, Process, Techniques. Wilful Defaulters: Identification, Consequences, Legal implications. Non-Cooperative Borrowers: Strategies to deal with non-cooperation. Fugitive Economic Offender: Legal framework and handling. Look Out Circular: Purpose and Implementation. Criminal Offenses: Types, Investigative Agencies’ role |
Also Read,
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Important IIBF Certifications | Click Here |
IIBF CCP Apply Online 2025 | Click Here |
IIBF CCP Registration Process | Click Here |
What is the IIBF CCP Exam | Click Here |
IIBF Certificate Exam 2025 Schedule | Click Here |
IIBF CCP Syllabus 2025 – FAQs
Ans: The IIBF CCP Syllabus 2025 covers five modules such as Principles of Lending, Credit Policy, Analysis of Financial Statements, Export Finance, and Documentation.
Ans: Module A includes Principles of Lending, Credit Policy, Types of Borrowers, Credit Delivery, Credit Appraisal, Credit Rating, and Capital Adequacy.
Ans: Module B focuses on Analysis of Financial Statements, Non-Financial Risk Analysis, Project Appraisal, Credit Risk Analytics, and Credit Scoring Models.
Ans: Module D covers Export Finance, Priority Sector Lending, Retail Loans, Forward Exposure Limits, Structured Finance, and Digital Finance.
Ans: Module E includes Documentation, Types of Charges, Credit Monitoring, Resolution of Stressed Assets, Fair Practices Code, and Fraud Risk Management.
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