This course introduces the concept of Seasonal Cash Flow Mapping within the Crop & Seasonal Agri Credit framework. It focuses on mapping seasonal income and expense patterns to ensure accurate assessment of repayment capacity aligned with agricultural cycles.
Learners will explore key assessment dimensions such as price and cost sensitivities, crop cycle alignment, income estimation, and repayment structuring, with an emphasis on independent validation and well-documented rationale. The course also distinguishes seasonal cash flow mapping from broader portfolio diversification strategies, highlighting its specific role in understanding timing mismatches and exposure-level liquidity risks.
By the end of the course, participants will understand how to map seasonal cash flows in practice, particularly within Seasonal Cash Flow and Repayment Capacity, including documentation standards, exception handling, and escalation for review within the credit approval process.