This course introduces the concept of Credit Policy Framework – Business Loans within the Business Loan Credit (Proposition) framework. It focuses on understanding institution-specific credit policies that govern business loan eligibility, risk boundaries, approval structures, and decision-making standards.
Learners will explore key assessment dimensions such as exposure limits, handling of deviations, approval hierarchies, and mechanisms to manage overrides, with an emphasis on independent validation and well-documented rationale. The course highlights how a well-defined credit policy framework ensures consistency, risk discipline, and transparency in business lending decisions while allowing controlled flexibility through structured exception handling. It also distinguishes the credit policy framework from broader operational procedure design, emphasizing its role in defining governance standards rather than execution processes.
By the end of the course, participants will understand how to interpret and apply business loan credit policies in practice, particularly within Credit Policy, Appraisal, and Decisioning. The course also emphasizes the role of the credit manager in validating team-level analysis, approving case recommendations, and managing segment-level exposure within Business Loan Credit (Proposition), including oversight of policy adherence, deviation management, documentation standards, and escalation protocols aligned with credit committee priorities.