INDIAN INSTITUTE OF BANKING & FINANCE

(An ISO 9001 - 2015 CERTIFIED ORGANISATION)

Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai - 400 070
Website : www.iibf.org.in

Certified Credit Professional

(Remote Proctored mode)
Rules & Syllabus 2024

INTRODUCTION:
The world is increasingly getting inter connected and complex. Bank credit mechanism has
also undergone phenomenal changes in recent years. Few years ago, credit meant only Cash
Credit, Overdraft and Loan. Today quasi credit facilities like Letters of Credit, Bank Guarantees,
Co acceptances, Buyer's Credit and Supplier's Credit are gaining predominance. The bank
officer dealing with such products should possess a good knowledge of the product itself to
assess the risk involved and judge the repayment capacity of the borrower to honour the
liabilities within the agreed timeframe. Credit Appraisal and Risk Appraisal can be considered
as two sides of the same coin. Hence, when appraisal aspects are being discussed, be it
concerning domestic finance or trade finance for international trade, risk aspects are
considered so that the credit officer does not lose sight of the same. The course provides a
holistic insight into the various dimensions in bank credit management.
REMOTE PROCTORED MODE
Remote proctoring allows candidates to take an examination at a location of his/her choice
while ensuring the integrity of the examination. These systems require students to confirm their
identity, and, during the examination, the system monitors students through video, mic, etc.
looking for behavior that could indicate unfair practices (cheating). Examinations are conducted
over internet using a Desktop/Laptop. Taking examination using any other device is not
permitted e.g. mobile, tabs, etc.
OBJECTIVES:
1. To develop a cadre of credit officers in banks to perform different credit functions across
banks
2. To inculcate advanced skills for handling credit management issues
COVERAGE:
The course broadly covers:
1. Introduction & Overview of Credit
2. Analysis of Financial Statements
3. Working Capital Management
4. Other Credits
5. Monitoring, Supervision/ Follow Up & Management of Impaired Assets
TARGET GROUP:
1. Existing/ Newly posted officers in credit department
2. Persons identified for the credit department
3. People aspiring to become credit officers in banks
METHODOLOGY:
Course has two components viz.,
a) Online examination for 100 marks based on a specially designed courseware on credit
management
b) Classroom Training of 3 days
For details of Classroom Training, Course Structure & Delivery, refer page 4.

1
ELIGIBILITY:
1. Members and Non-Members of the Institute
2. Candidates must have passed the 12th standard examination in any discipline or
its equivalent.
SUBJECT OF EXAMINATION:
Credit Management
PASSING CRITERIA:
1. Minimum marks for pass in the subject is 50 out of 100 for online examination.
2. Minimum 25 marks for pass out of 50 marks in the Classroom training
EXAMINATION/ TRAINING FEES: (For Members/ For Non-members)
Sr. Particulars Examination Training Total Examination
No. Fee Fee** + Training Fee
1. Virtual training mode Rs. 6,000/- Nil Rs. 6,000/-
plus GST plus GST
2. Physical classroom training mode Rs. 6,000/- Rs. 5,000/- Rs. 11,000/-
at Mumbai, Delhi, Chennai and plus GST plus GST plus GST
Kolkata centres
3. Physical classroom training mode Rs. 6,000/- Rs. 9,000/- Rs. 15,000/-
at other centres plus GST plus GST plus GST
Please Note: Candidates are required to Register for every attempt separately.
While registering online for the examination candidates will have to choose examination date /
time slot of his/her choice, the exam date/time will be allotted on first-cum-first-serve basis.
Candidates are required to take utmost care and precaution in selecting Exam Date and
Time slot, as there is no provision to change the Exam date and Time slot in the system.
Hence no request for change of Exam date and time slot will be entertained for any
reason. The fee once paid will NOT be refunded or adjusted on any account.
 Training fees are to be paid after the candidate clears the online examination
conducted by the Institute.
 Candidates, who do not pass the online examination in their first attempt, need to enroll
for the second attempt by paying a nominal fee of Rs.200.
 Candidates who do not pass the online examination in their second attempt, need to
enroll again by paying a fee of Rs. 6,000/-.
 If a candidate fails in the virtual classroom training, he/she can enroll for the second
attempt by paying a fee of Rs. 1,000/- plus GST.
MEDIUM OF EXAMINATION:
Examination will be conducted in English only.
PATTERN OF EXAMINATION:
(i) Question Paper will contain 100 objective type multiple choice questions including situation
analysis/ problem based questions for a total of 100 marks
(ii) The examination will be held in Online Mode only
(iii) There will NOT be negative marking for wrong answers.
DURATION OF EXAMINATION:
The duration of the examination will be of 2 hours.
PERIODICITY:
Examination will be conducted on pre-announced dates published on IIBF Web Site. Institute
conducts examination on 2nd and 4th Saturday and Sundays, however periodicity of the
examination may be changed depending upon the requirement of banking industry.

2
PROCEDURE FOR APPLYING FOR EXAMINATION
Application for examination should be registered online from the Institute’s website
www.iibf.org.in. The schedule of examination and dates for registration will be published on
IIBF website.
PROCESS
Registration
1) Application for examination should be registered online from the Institute’s website
www.iibf.org.in. The schedule of examination and dates for registration will be
published on IIBF website.
2) At the time of registration, the candidate will select date/time of the examination.
3) At the time of registration, the candidate can register for e-learning/e-book, if
required, by paying the requisite additional fees.
4) The study material can be in the form of e-book and/or e-learning.
5) Based on the option selected (e-book/e-learning) the candidate will be provided
login ID password to access the study material.
6) On successful registration admit letter will be generated. Candidates can download
it.
Examination
1) Candidates will take examination under remote proctored mode on predetermined
date/time from a secured environment. (refer Do’s and Don’ts section for more
information)
2) Candidates should login to the system half an hour before the exam start time.
3) The examination proctor will verify the candidate’s face with the registered photo
image of the candidate.
4) Candidate will also be asked to display any valid original photo id-card (Aadhaar
card/e-Aadhaar/Employer's card/ PAN Card/ Driving License/ Election voter's card/
Passport etc.)
for verification purpose. After successful verification the proctor will allow the
candidate to start the examination.
5) Candidate may be required to show 360° view of the exam area using the webcam.
So that the proctor can identify the object/check the suitability of the exam
area/environment. A clear desk/table has to be ensured for appearing for the
examination. No reference materials, books, notes, periodicals, mathematical
tables, slides rules, stencils, post-its, chits, mobile phones, headsets (wired/
wireless), any other electronic gadgets are allowed to be kept on the table or the
desk.
6) Both sides of the rough sheet (if it is going to be used) should be shown to proctor
before and after the examination.
7) Once the examination begins live remote proctoring of the candidate’s activities will
take place throughout the examination period.
8) Under remote proctoring candidate’s activities will be monitored using webcam, mic
etc. Computer screen, browser, mouse, keyboard etc. will be monitored.
9) Proctor, if required, can convey information/ instructions to the candidate using chat
box.
10) If a candidate indulges in unfair practices/suspicious acts, the proctor will intervene
and warn the candidate through chat box or can cancel/stop the examination
immediately as the case may be.
11) After completion of the examination/submission, provisional scorecard will be
displayed on the screen.
12) RESULT ADVICE/ CONSOLIDATED MARKSHEET/ FINAL CERTIFICATE
a. Result Advice of candidates will be hosted on Institute's website on
declaration of result, which can be downloaded by the candidates.
b. Consolidated mark sheet for candidates completing examination having
more than one subject, will be available on the Institute's website after

3
 the declaration of results. Candidates can download the same after
entering login credentials using their membership number and edit
profile password.
c. For passed candidates, digitally signed certificate will be sent through
e-mail registered with the Institute within 3 weeks after the declaration
of result. The Paper Certificate issued by the Institute is discontinued.

Minimum System Requirement:

I) Desktop/Laptop:
 Browser: Google Chrome version 75 & above, with cookies & popups enabled
 Video/Audio: Webcam and a good quality Mic is required
 Operating system: Windows 8 or 10
 RAM & Processor: 4 GB+ RAM, i3 5th Generation 2.2 Ghz or
equivalent/higher
 Pop-up blocker: Disabled
II) Internet Connection:
Stable internet connection with at-least 2 mbps+ upload speed
Examination not allowed on mobiles or tablets.
Do’s and Don’ts
1. The candidate will take the examination from a secured environment.
i. Place having desk and chair preferably with plain backdrop (area behind the
candidate) with adequate lighting so that the candidate is visible to the proctor. The
place should be noise free with no public movement in the surroundings.
All the items should be removed from the desk except computer/external webcam (if
internal webcam is not available) /keyboard/mouse, other permitted items, if any.
ii. Examination will not be conducted if the examination area is a Public place, a noisy
environment, having inadequate lighting, having public movement in examination
area/around the candidate, having other computer or similar device in the examination
area.
iii. The examination cannot be taken sitting on a couch, bed or on the floor.
2. Candidate’s will take examination on a registered date/time from a secured environment.
Candidate who tries to appear after the scheduled examination date/time will not be
allowed to appear for the examination.
3. Candidate’s should login to the system half an hour before the examination start time.
4. No other persons are allowed in the examination area during the examination.
5. Candidate must keep ready his/her original photo identity card that has name and photo
on the same side, admit letter, rough sheet, pen/pencil and calculator.
6. Candidates must dress decently as though they are in a public place and will be video
recorded
7. Candidates must not talk to anyone during the examination period or talk/read to oneself
loudly.
8. In case of emergency he/she can talk to helpdesk in case of any technical issue with
permission from proctor.
9. Candidates must not use headphones, ear buds, or any other type of listening equipment.
10. Candidates must not communicate with any other person by any means.
11. Candidates must not use any phone for any reason.
12. Candidates must not leave the room/examination area during the examination for any
reason without the permission of the proctor. Leaving the room/examination area or
moving to another room/area during the examination for any reason will be treated as a
violation of examination rules.
13. Candidates must not setup the computer at the time of examination. All the settings need
to done much before the examination time and tested properly. For any failure of the
computer system during the examination period, Institute will not be responsible and
candidate will lose his/her attempt.
14. Candidates must not switch off the webcam or mic or cover the webcam during the
examination.

4
15. Candidates must not navigate away from examination window.
16. Candidate’s face must be positioned in the middle of the camera view and candidate’s
face must be visible throughout the Examination.
17. Don't Position camera too low, too high or hooked onto a different monitor. Weird camera
angles can be very distracting -- and unflattering -- during examination. The candidate
should make sure that the camera is at eye level and on the monitor which is used for
the examination.
18. Candidate must not look away from laptop/desktop screen, must face computer screen.
19. Candidate must not seek any assistance or refer study material/mobile/ for answering the
questions.
20. Candidate must ensure that he/she has attempted every question and reviewed the
accuracy of his/her answers before submitting the paper. Once submitted (even by
mistake), re-examination will not be permitted.
21. On the exam day candidate is advised to ensure that the Laptop is fully charged and in
case of Desktop it is connected to an uninterrupted power source for smooth conduct of
examination.
22. Candidates are not permitted to logout/switch-off the computer for the sake of going to
washroom and if they log out/switch-off, re-login will not be permitted.
23. Candidates will be allowed to use battery operated portable calculator during the
examination. The calculator can be of any type up to 8 functions i.e. (Addition,
Subtraction, Multiplication, Division, Percentage, Sq. root, Tax+ and Tax-), having 12
digits. Attempt to use any other type of calculator not complying with the specifications
indicated above or having more features than mentioned above shall tantamount to use
of unfair means. Scientific/Financial calculator is NOT allowed.
Debarment/Cancellation of examination:
1) If a candidate indulges in unfair practices/suspicious acts, the proctor will intervene
and warn or cancel the test.
2) For any case of misconduct, the proctor can warn/cancel the test immediately as
the case may be.
3) For any unfair act (cheating) during the examination, the result of such examination
may be cancelled and he/she will be liable for punishment. Institute will also inform
the employer of the candidate by giving the details of unfair practice and
punishment levied on the candidate.
4) If the unfair act is determined after the examination, the result of such examination
will be cancelled and he/she will be liable for punishment.
5) If any candidate attempts copying Onscreen question, takes photoshots or violates
any of the examination rules, it will be considered to be an act of misconduct and
he/she will be liable for punishment.
6) PLEASE REFER INSTITUTE'S WEBSITE UNDER THE MENU “EXAM RELATED”
FOR DETAILS OF DEBARMENT PERIOD FOR UNFAIR PRACTICES ADOPTED
BY CANDIDATES DURING CONDUCT OF INSTITUTE'S EXAMINATIONS.
Privacy
During the remote proctored examination, Images/Videos/Sounds of the candidates and their
computer systems will be captured and stored for examination proctoring purposes. It is
envisaged that candidates who register for the remote proctored examinations agree for the
same.
PROOF OF IDENTITY
Non-members applying for Institute’s examinations/courses are required to attach/ submit a
copy of any one of the following documents containing Name, Photo and Signature at the time
of registration of Examination Application. Application without the same shall be liable to be
rejected.
1) Photo ID Card issued by Employer or 2) PAN Card or 3) Driving Licence or 4) Election
Voter’s ID Card or 5) Passport 6) Aadhaar Card
STUDY MATERIAL/ COURSEWARE
The Institute has developed a courseware to cover the syllabus. The courseware (book) for the
subject/s will be available at outlets of publisher/s.
5
However, as banking and finance fields are dynamic, rules and regulations witness rapid
changes. Therefore, the courseware should not be considered as the only source of information
while preparing for the examinations. Candidates are advised to go through the updates put on
the IIBF website from time to time and go through Master Circulars/ Master Directions issued
by RBI and publications of IIBF like IIBF Vision, Bank Quest, etc. All these sources are
important from the examination point of view. Candidates are also to visit the websites of
organizations like RBI, SEBI, BIS, IRDAI, FEDAI etc. besides going through other books &
publications covering the subject/ exam concerned etc. Questions based on current
developments relating to the subject/ exam may also be asked.
E-LEARNING:
Institute facilitates e-learning to enhance the understanding of the concepts. Candidates can
access the e-learning (From Desktops and Laptops only) through our website www.iibf.org.in
at their convenience and from their place of choice.
 At the time of registration, the candidate can register for e-learning/e-book, if required, by
paying the requisite additional fees.
 The study material can be in the form of e-book and/or e-learning.
 Based on the option selected (e-book/e-learning) the candidate will be provided login ID
password to access the study material.
DISCLAIMER:
The above said facility of e-learning offered to the candidates is solely at the discretion of the
Institute and subject to such terms/ conditions as may be deemed fit by the institute from time
to time. Hence no candidate has any right/ claim whatsoever against the institute by reason of
any technical glitches or any shortcomings as the case may be and the decision of the institute
in the event of any dispute there-under will be final and conclusive.
CUT-OFF DATE OF GUIDELINES/ IMPORTANT DEVELOPMENTS FOR
EXAMINATIONS
The Institute has a practice of asking questions in each exam about the recent developments/
guidelines issued by the regulator(s) in order to test if the candidates keep themselves abreast
of the current developments. However, there could be changes in the developments/ guidelines
from the date the question papers are prepared and the dates of the actual examinations.
In order to address these issues effectively, it has been decided that:
i. In respect of the examinations to be conducted by the Institute for the period March to
August of a calendar year, instructions/ guidelines issued by the regulator(s) and important
developments in banking and finance up to 31st December will only be considered for the
purpose of inclusion in the question papers".
ii. In respect of the examinations to be conducted by the Institute for the period September
to February of a calendar year, instructions/ guidelines issued by the regulator(s) and
important developments in banking and finance up to 30th June will only be considered
for the purpose of inclusion in the question papers.
The table given below further clarifies the situation.

Particulars Cut-off Date of Guidelines/ Important

Developments for Examination/s Developments for Examination/s
For the examinations to be conducted by 31st December 2023
the Institute for the period March 2024 to
August 2024
For the examinations to be conducted by 30th June 2024
the Institute for the period September 2024 to
February 2025

6
TUTORIAL/ CONTACT PROGRAMMES
Tutorial/ Contact programmes may be organized by the Institute at various centres.
For details in this regard candidates may visit Institute's website www.iibf.org.in.
COURSE STRUCTURE & DELIVERY
Certified Credit Professional has two parts viz. written examination and class room training. To
be declared successful, a candidate has to secure a minimum of 50% marks in the online
examination and 50% in class room training. The steps in completing the course are as under:
1. Study:
A minimum 3 months’ study of the stipulated courseware is envisaged. Institute will accept
application up to a certain period before the dates of announced exams so as to ensure that
the study period is adhered to.
2. Examination:
Candidates will have to appear for the online examination conducted by IIBF (Multiple Choice
Questions mode) and pass the examination.
3. Training:
Candidates who have successfully passed the online examination have to undergo training.
For this purpose, the candidate, on passing the examination should log on to IIBF website -
www.iibf.org.in and select his/her convenient slot for classroom/virtual classroom training (3
days) from the pre-determined dates and venue (in case of classroom training) at select
centres announced by the Institute. During the classroom/virtual classroom training, candidates
will be assessed (Internal assessment) for training performance for a total of 50 marks. Marks
for training will be awarded to candidates by faculty for their training participation, analytical
skills, case discussions, dealing ability, presentation skills etc.
Evaluation Process:

4. Time Limit for Training:

i. Virtual Class Room Training is required to be completed within 15 months from the date
of declaration of the online examination results in which the candidate passes.
ii. In case a candidate fails to complete the training either on account of not able to
successfully complete the training or by not attending training within the stipulated period
of 15 months, the candidate would be required to RE-ENROLL himself for the Online
examination foregoing credit for the subject/s passed in the Online examination earlier in
case he wants to complete the course.

7
AWARD OF CERTIFICATE:
Certificate will be issued to candidates within 3 weeks on successful completion of both online
examination and classroom training. No certificate will be issued for passing only the online
examination.
CODE OF CONDUCT:
All the successful candidates will be encouraged to adhere to a code of conduct which will be
issued along with the Certificate.
SYLLABUS FOR ONLINE EXAMINATION
The details of the prescribed syllabus which is indicative are furnished in the booklet. However,
keeping in view the professional nature of examinations, all matters falling within the realm of
the subject concerned will have to be studied by the candidate as questions can be asked on
all relevant matters under the subject. Candidates appearing for the examination should
particularly prepare themselves for answering questions that may be asked on the latest
developments taking place under the various subject/s of the said examination although those
topics may not have been specifically included in the syllabus. The Institute also reserves to
itself the right to vary the syllabus/ rules/ fee structure from time to time. Any alterations made
will be notified from time to time. Further, questions based on current developments in banking
and finance may be asked.
Candidates are advised to refer to financial newspapers/ periodicals more particularly “IIBF
VISION” and “BANK QUEST” published by the Institute.
MODULE A: INTRODUCTION & OVERVIEW OF CREDIT
1. Principles of Lending
2. Credit Policy
3. Types of Borrowers & types of credit facilities
4. Credit Delivery
5. Credit Appraisal
6. Credit Rating
7. Capital Adequacy (Credit Risk- Standardised Approach & Advanced Approaches)
 Probability of Default
 Exposure at Default
 Loss Given Default
8. Importance & Application of RAROC (Risk Adjusted Return on Capital)
MODULE B: ANALYSIS OF FINANCIAL STATEMENTS
9. Analysis of Financial Statements
10. Non-financial Risk Analysis & Macroeconomic Factors
11. Project Appraisal/Term Loan Appraisal
12. Credit Risk Analytics & Credit Scoring Models
MODULE C: WORKING CAPITAL MANAGEMENT
13. Working Capital Assessment (including factoring, bill financing, etc. as sub-limits)
14. Non-Fund based Credit Facilities
MODULE D: OTHER CREDITS
15. Export Finance
16. Priority Sector Lending/Government Sponsored schemes/NABARD Schemes
17. Retail Loans
18. Forward Exposure Limit & Pre-settlement risk
19. Structured Finance options
20. Alternative source of funding

8
21. Digital Finance-P2P lending via FinTech
22. Green Finance
MODULE E: MONITORING, SUPERVISION/ FOLLOW UP & MANAGEMENT OF
IMPAIRED ASSETS
23. Documentation
24. Types of Charges
25. Follow up, supervision & credit monitoring u Periodical Scrutiny of Exception Reports u
AI/ML based analytics tools to analyse the transactions to predict “likely to default”
26. Resolution of Stressed Assets
27. Fair Practices Code on Lender’s Liability
28. Insolvency & Bankruptcy Code (IBC), 2016 [including all amendments & top 5 judgments]
29. Fraud Risk Management in Credit
a. Early Warning Signals [Annexure 16/3 of current book]
b. Red Flagging of Accounts
c. Identification & Reporting of Fraud
d. Forensic Audit
e. Wilful Defaulters
f. Non-Cooperative Borrowers
g. Fugitive Economic Offender
h. Look Out Circular
i. Criminal Offenses and Investigative Agencies

MULTIPLE CHOICE QUESTIONS (MCQS) AND ANSWERS

The Institute conducts its examinations through Multiple Choice Questions (MCQs).These
MCQs are part of the Question Bank of the Institute and its Intellectual Property. As a matter
of policy, these MCQs and their answers will not be shared by the Institute with the candidates
or others and no correspondence in this regard will be entertained.

CONTACT DETAILS:
Register your queries through website www.iibf.org.in > Members/ Candidates Support
Services (Help) or email all your queries to care@iibf.org.in

MEMBER SUPPORT SERVICE OFFICE:

Indian Institute of Banking & Finance
191-F, Maker Towers, 19th Floor
Cuffe Parade, Mumbai - 400 005
Tel.: 022-2218 3302/ 2218 5134

FOR TRAINING/ CONTACT CLASSES RELATED QUERIES CONTACT:

Leadership Centre
Indian Institute of Banking & Finance
Kohinoor City, Commercial-II, Tower-I, 3rd Floor
Kirol Road, Off L. B. S. Marg, Kurla West, Mumbai 400 070
Tel.: 022-6850 7000
E-mail: training@iibf.org.in

9
PROFESSIONAL DEVELOPMENT CENTRES:
South Zone North Zone East Zone West Zone
Indian Institute of Indian Institute of Indian Institute of Indian Institute of
Banking & Finance Banking & Finance, Banking & Finance Banking & Finance
No.94, Jawaharlal C-5/30, Safdarjung Avani Heights, 2nd 192-F, Maker
Nehru Road, Development Floor, Towers,
(100 Feet Road), Area(SDA), 59A, Jawaharlal Nehru 19th Floor, Cuffe
Opp.Hotel Ambica Near SDA Local Road, Parade
Empire, Vadapalani, Shopping complex Kolkata - 700020 MUMBAI - 400 005
Chennai - 600 026. Outer Ring Road, Opp Tel: 033-46032850
Tel:044 IIT Delhi, Email:iibfez@iibf.org.in
24722990/24727961 NEW DELHI-110 016
Email:iibfsz@iibf.org.in Tel:011-2653 2194 /
2191 (office)
Email:iibfnz@iibf.org.in

CORPORATE OFFICE: Indian Institute of Banking & Finance, Kohinoor City,

Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai - 400 070
Tel.: 022-6850 7000

10