IIBF CCP Syllabus 2025, Check Modules in Detail

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

TopicDetails
Principles of LendingSafety, Liquidity, Profitability, Purpose of Loan, Diversification Risk.
Credit PolicyImportance, Contents, Exposure Norms, Model MSE Policy.
Types of Borrowers & Credit FacilitiesBorrowers: 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 DeliveryTypes of Facilities, Modes of Delivery, Sole Banking, Multiple Banking, Consortium Lending, Syndication. Credit Thrust, Credit Priorities, Credit Acquisitions, Statutory & Regulatory restrictions on Advances.
Credit AppraisalValidation 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 RatingMeasurement of Risk, Objective of Rating, Internal & External Rating, Model Credit Rating, Methodology of Rating, Internal & External Comparison, Model Rating Formats.
Capital AdequacyProbability 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

TopicDetails
Analysis of Financial StatementsBalance 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 FactorsNon-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 AppraisalTypes 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 ModelsCredit 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

TopicDetails
Working Capital AssessmentConcept: 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 FacilitiesNon-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 GuaranteesTypes: Performance Guarantee, Financial Guarantees, Deferred Payment Guarantees.
Assessment: Evaluation of Guarantee Limits, Period of Claim under Guarantee.
Co-acceptance FacilitiesRBI Guidelines: Co-acceptance of Bills for the Supply of Goods & Machinery.

Also Check: IIBF CCP Registration Process

IIBF CCP Syllabus 2025 – Module D

TopicDetails
Export FinancePre-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 SchemesCategories: Agriculture, MSME, Micro Credit, Weaker Sections.
Schemes: SGSY, SJSRY, Education Loans, Housing Finance, Export Credit, Differential Interest Scheme, Priority Sector Targets.
Retail LoansCharacteristics: 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 RiskForward Exposure Limits: Definition, Importance, Management, and Monitoring.
Pre-settlement Risk: Definition, Impact, and Risk Mitigation Strategies.
Structured Finance OptionsComponents: Securitization, CDOs, Asset-Backed Securities.
Risk Management: Benefits and Drawbacks, Market Trends, Innovations in Structured Finance.
Alternative Source of FundingTypes: Venture Capital, Angel Investing, Crowdfunding, Private Equity.
Comparison: Characteristics, Benefits, Traditional Financing vs Alternative Funding, Regulatory Considerations.
Digital Finance – P2P Lending via FinTechOverview: Peer-to-Peer (P2P) Lending, Role of FinTech, Benefits, Risks, Regulatory Framework, Popular Platforms, Comparison with Traditional Lending.
Green FinancePrinciples: 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

TopicDetails
DocumentationMeaning 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 ChargesPurpose 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 MonitoringCredit 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 AssetsIdentifying Stressed Assets: Strategies for Resolution, Legal Framework, ARCs Role, Case Studies.
Fair Practices Code on Lender’s LiabilityPractices: Loan Processing, Assessment, Disbursement, Administration, Recall/ Repayment, Grievance Redress Mechanisms.
Insolvency & Bankruptcy Code (IBC), 2016Introduction: 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 CreditEarly 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

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IIBF CCP Syllabus 2025 – FAQs

Q1) What does the IIBF CCP Syllabus for 2025 include?

Ans: The IIBF CCP Syllabus 2025 covers five modules such as Principles of Lending, Credit Policy, Analysis of Financial Statements, Export Finance, and Documentation.

Q2) What are the key topics in Module A of the CCP Syllabus 2025?

Ans: Module A includes Principles of Lending, Credit Policy, Types of Borrowers, Credit Delivery, Credit Appraisal, Credit Rating, and Capital Adequacy.

Q3) What topics are covered in Module B of the CCP Syllabus 2025?

Ans: Module B focuses on Analysis of Financial Statements, Non-Financial Risk Analysis, Project Appraisal, Credit Risk Analytics, and Credit Scoring Models.

Q4) What does Module D of the IIBF CCP Syllabus 2025 cover?

Ans: Module D covers Export Finance, Priority Sector Lending, Retail Loans, Forward Exposure Limits, Structured Finance, and Digital Finance.

Q5) What is included in Module E of the IIBF CCP Syllabus 2025?

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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