Model Curriculum

Loan Processing Officer

(Corporate Loans and Lease Deals
Processing)

SECTOR: BFSI
SUB-SECTOR: LENDING
OCCUPATION: RETAIL ASSET MANAGEMENT CENTRE/
CENTRAL PROCESSING UNIT
REF ID: BSC/Q2304, Version No. 1.0
NSQF LEVEL: 5

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Loan Processing Officer
Loan Processing Officer
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 TABLE OF CONTENTS

1. Curriculum 01
2. Trainer Prerequisites 04
3. Annexure: Assessment Criteria 05

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Loan Processing Officer
CURRICULUM / SYLLABUS

This program is aimed at training candidates for the job of a “Loan Processing Officer”, in the “BFSI”
Sector/Industry and aims at building the following key competencies amongst the learner

Program Name Loan Processing Officer

Qualification Pack Name

BSC/Q2304
& Reference ID. ID

Version No. 1.0 Version Update Date 05-03-2018

Pre-requisites to
STD. XII
Training
Training Outcomes After completing this programme, participants will be able to:
 Evaluate, authorize, or recommend processing of loan
applications for people and businesses.
 Compile the loan application file, perform preliminary checks,
approve loans and submit recommendations for loans beyond
their limits for further processing.

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Loan Processing Officer
This course encompasses 5 out of 5 Compulsory Nos (National Occupational Standards), 2 out of 2
Optional Nos of “Loan Processing Officer” Qualification Pack issued by “BFSI Sector Skill Council of
India”.

Compulsory Nos
Sr. Equipment
Module Key Learning Outcomes
No. Required
1 Introduction to  Understand banking and importance of White board,
Banking & Lending banks Marker, Overhead
Products  Understand the role of RBI in banking projector, Laptop,
 Learn about different products and Internet access,
Theory Duration services offered by banks Game card (snake
30:00  Know the 5C model of lending & ladder)
 Learn in detail the lending products
Corresponding NOS offered by banks
Code  Understand each type of loan, its nature,
BSC / N2311 features, purpose of the loan etc.
2 KYC Norms and Loan  List the KYC requirements for different White board,
Documentation types of loans and different types of Marker, Overhead
customers projector, Laptop,
Theory Duration  Understand the documentation process Internet access,
20:00 for loan approval Game card (snake
 Understand the steps in processing the & ladder)
Practical Duration loan
10:00  Know the Anti money laundering and
provisions of PMLA, 2002
Corresponding NOS
Code
BSC / N2311

3 Credit Analysis and  Learn about credit analysis, CIBIL, CIBIL White board,
Risk Management score, Credit Ratings etc. Marker, Overhead
 Know the importance of credit ratings projector, Laptop,
Theory Duration and CIBIL score and how to interpret it Internet access,
30:00  Understand the different types of risk Game card (snake
and how to manage risk & ladder)
Practical Duration  Learn the different mechanism to
20:00 mitigate risk

Corresponding NOS
Code
BSC / N2312

4 Verification and  Learn how to check the loan application White board,
Process of Loan form and the supporting documents Marker, Overhead
Application  Check whether customers details are projector, Laptop,
correctly captured Internet access,
Theory Duration  Check the documents pertaining to Game card (snake
10:00 collaterals are properly documented & ladder)
 Check on the financial statements or ITR
Practical Duration returns or salary slips submitted to avail
30:00 the loan

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Sr. Equipment
Module Key Learning Outcomes
No. Required
Corresponding NOS  Understand whether customer has the
Code capacity and willingness to repay the
loan
BSC / N2311
5 Preparation of Credit  Understand the process required for White board,
Memorandum preparing the memorandum to individual Marker, Overhead
or entity respectively projector, Laptop,
Theory Duration  Learn to update the basic details about Internet access,
10:00 the entity asking for loan Game card (snake
 Learn to fill the purpose of the & ladder)
Practical Duration memorandum and the project for which
30:00 loan is applied
 Learn to analyze the various aspects of
Corresponding NOS the individuals with respect to their
Code salary, occupation, capacity, etc.
BSC / N2312 
6 Communicate  Learn to communicate and listen to the White board,
effectively and achieve customers, superiors and colleagues Marker, Overhead
customer satisfaction  Learn to maintain: positive attitude, projector, Laptop,
correct body language, dress code, Internet access,
Practical Duration gestures and etiquette Game card (snake
(20:00)  Understand work output requirements, & ladder)
targets, performance indicators and
Corresponding NOS incentives and receive feedback on work
Code performance with positive attitude
BSC/ N9902
7 Maintain integrity and  Learn how to maintain integrity of White board,
ethics transactions and ensure data security Marker, Overhead
 Learn to protect data and information projector, Laptop,
Practical Duration related to business or commercial Internet access,
(30:00) decisions Game card (snake
 Demonstrate and practice ethics in day- & ladder)
Corresponding NOS to-day processes and dealings with
Code customers and colleagues
BSC/ N9903  Learn how to avoid defaming products
and services of companies in
competition
 Learn to refrain from indulging in unfair
trade and/or corrupt practices
8 Focus on Team Work  Learn to share relevant inputs, feedback White board,
and insights to build mutual trust Marker, Overhead
Practical Duration  Learn to exchange, defend and rethink projector, Laptop,
(10:00) ideas Internet access,
 Support team members to accomplish Game card (snake
Corresponding NOS goals & ladder)
Code
BSC/ N9904
Compulsory NOS: Unique Equipment Required:
Total Duration NA
Theory Duration
100:00

Practical Duration
150:00

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Loan Processing Officer
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OPTIONS (Optional to choose any or all or none)

OPTION 1: Process Corporate Loans

Sr. Equipment
Module Key Learning Outcomes
No. Required
1 Process Corporate  List down the required documents to be White board,
Loans obtained from borrower Marker, Overhead
 Learn to evaluate the financial history projector, Laptop,
Theory Duration and income of the borrower Internet access,
5:00  Learn to analyse the existing debt and Game card (snake
purpose of the loan & ladder)
Practical Duration  Understand and review the credit history
15:00 and available collateral of the borrower
 Learn to evaluate the sanction limit
Corresponding NOS based on the documents analysed
Code  List down the terms of loan, total
BSC / N1913
amount to be financed, type of collateral
applied, terms of repayment, etc., in the
letter of intent
 Ensure that the entire documentation is
complete and submitted for loan approval
 Learn to provide the loan in form of a
draft, electronic wire transfer to the
borrower’s bank account or cashier’s
check
Option 1: Unique Equipment Required:
Total Duration NA

Theory Duration
5:00

Practical Duration
15:00

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OPTION 2: Process Lease Finance

Sr. Equipment
Module Key Learning Outcomes
No. Required
1 Process lease finance  Obtain customer’s / lessees specific White board,
needs such as type of capital asset, Marker, Overhead
Theory Duration brand, make, vintage, colour, quantity, projector, Laptop,
5:00 periodicity of repayments, etc. Internet access,
 List down the required documents and Game card (snake
Practical Duration inform the same to lessee & ladder)
15:00  Gather financial statements or corporate
entity or income documents of individuals
Corresponding NOS as per company’s SOP
Code  Evaluate the CIBIL score, financial
BSC/ N2514 history or income of the lessee
 Learn to analyse the risk return of the
lease deal
 Understand the repayment capacity of
lessee
 Learn to prepare the lease budget for the
proposed deal
Option 2: Unique Equipment Required:
Total Duration NA

Theory Duration
5:00

Practical Duration
15:00

GRAND Total Unique Equipment Required for the QP:

Duration Laptop, white board, marker, projector, first aid kit

Minimum Duration
for the QP=
__250_hrs_
Theory: 100 hrs
Practical: 150 hrs

Maximum Duration
for the QP= 290 hrs
Theory:__110 hrs
Practical:_180 hrs__

(This syllabus/ curriculum has been approved by BFSI Sector Skill Council of India)

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Trainer Prerequisites for Job role: “Loan Processing Officer” mapped to
Qualification Pack: “BSCQ/2304”

Sr.
Area Details
No.
1 Description To deliver accredited training service, mapping to the curriculum detailed
above, in accordance with the Qualification Pack “BSC / Q 2304”.
2 Personal The job requires the individual to be able to: work under high pressure and
Attributes on computer for long hours, be outcome focussed and have eye for detail,
good interpersonal abilities, and self-motivation.
3 Minimum
Educational STD. XII
Qualifications
4a Domain Certified for Job Role: “Loan Processing Officer” mapped to QP: “BSC
Certification Q/2304”. Minimum accepted score as per SSC guideline is 70%.
4b Platform Recommended that the Trainer is certified for the Job Role: “Trainer”,
Certification mapped to the Qualification Pack: “MEP/Q0102”. Minimum accepted score
as per SSC guideline is 80%.
5 Experience • Minimum 3 years’ experience as a trainer in the BFSI domain
• Minimum 2 years’ experience as a trainer of Loan Processing
subjects
Experience in Loan Processing Officer services a plus

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 ANNEXURE: ASSESSMENT CRITERIA

Assessment Criteria
Job Role Loan Processing Officer
Qualification Pack BSCQ/2304
Sector Skill Council BFSI

Guidelines for Assessment

1. Criteria for assessment for each Qualification Pack will be created by the Sector Skill Council. Each Performance
Criteria (PC) will be assigned marks proportional to its importance in NOS. SSC will also lay down proportion of marks
for Theory and Skills Practical for each PC.
2. The assessment for the theory part will be based on knowledge bank of questions created by the SSC.
3. Assessment will be conducted for all compulsory NOS, and where applicable, on the selected elective/option
NOS/set of NOS.
4. Individual assessment agencies will create unique question papers for theory part for each candidate at each
examination/training centre (as per assessment criteria below).
5. Individual assessment agencies will create unique evaluations for skill practical for every student at each
examination/training centre based on this criterion.
6. To pass the Qualification Pack, every trainee should score a minimum of 70% of aggregate marks to successfully
clear the assessment.
7. In case of unsuccessful completion, the trainee may seek reassessment on the Qualification Pack.

Compulsory NOS
Total Marks: 500 Marks Allocation
Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcomes Marks Practical
PC1. verify the conduct of customer’s account in case
6 2 4
of old customers
PC2. verify details of the customer with the referring
6 2 4
colleague
PC3. check customer details such as name, age,
5 1 4
income, purpose of loan, amount requested, etc., in the form
PC4. ensure that the customers’ queries are politely
2 1 1
addressed
BSC/N2311 PC5. ensure that the appropriate loan application form
8 2 6
Verify and is filled
100
forward loan PC6. check whether all supporting documents and KYC
8 2 6
applications proofs are attached with application
PC7. ensure all details are correctly entered in the
8 2 6
form
PC8. ensure the required financial statements or IT
5 2 3
Returns or Salary Slips are attached
PC9. ensure the validity of the statements mentioned
in the documents by taking appropriate measures, e.g.,
8 2 6
collecting title deed for the land as mentioned in the form,
etc.

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 Compulsory NOS
Total Marks: 500 Marks Allocation
Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcomes Marks Practical

PC10. take customer signatures at all required places 2 1 1

PC11. ensure that a clear photograph of customer is
2 1 1
attached to the form
PC12. conduct any other due-diligence as recommended by
5 1 4
senior officer
PC13. ensure that all customer details are correctly
8 2 6
captured in the form
PC14. ensure that the customer has a capacity to repay 6 2 4
PC15. ensure that the details pertaining to collateral
6 2 4
are being properly documented
PC16. check the CIBIL score for retail borrower or calculate 8 2 6
PC17. forward the application for sanction, if the
2 1 1
customer seems to qualify the basic requirements
PC18. maintain a record of customer applications 5 2 3
100 30 70
PC1. gather the basic details about the entity 2 1 1
PC2. be aware of the credit limits and other terms and
3 1 2
conditions of the company
PC3. coordinate with the concerned person to acquire any
2 1 1
additional information if required
PC4. understand the process required for preparing
4 1 3
the memorandum to individual or entity respectively
PC5. sort the information in hand into quantitative and
qualitative facts such as company details, financials, etc. ,
4 1 3
plan and organize the sorted information based on the
format of the memorandum
PC6. update the basic details about the entity asking
for loan i.e name of the entity, group name, and
management of the company such as owners and managing
BSC/N2312 6 1 5
directors; activity the entity is engaged in, products and
Prepare credit 100
services the entity is dealing with, address, location, contact
memorandum
details etc.
PC7. fill the purpose of the memorandum and the
2 1 1
project for which loan is applied
PC8. mention the reference details of the credit
2 1 1
department and loan officer
PC9. generate the proposal number for the credit
2 1 1
memorandum
PC10. highlight the credit ratings of the proposal and
4 1 3
the sanction limit
PC11. mention data points on the existing bankers of
3 1 2
the entity
PC12. provide analysis on the business model of the
4 1 3
entity
PC13. provide analysis on the industry trend 4 1 3

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 Compulsory NOS
Total Marks: 500 Marks Allocation
Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcomes Marks Practical
PC14. highlight the management discussion with the
entity , explain the competition scenario in the industry for
the entity, analyse the financial performance of the entity 8 1 7
providing ratio and other statistical analysis, earnings,
profitability, leverage, cost structure, etc.
PC15. mention the future plans of the company its new
3 1 2
project and expansion plans
PC16. update the financial projection and working
capital projection of the new project, stock based
assessment, project based assessment, cash flow comfort 3 1 2
and other aspects related to the entity’s financial projection
on the new project
PC17. mention the current financial requirement of the
3 1 2
entity
PC18. provide a recommendation to the analysis
mentioning the various factors on whether the loan can be 3 1 2
given or not, how much to sanction, etc.
PC19. provide the various terms and conditions of the
3 1 2
sanction and mention the limit structure
PC20. provide the application forms 2 1 1
PC21. analyse the various aspects of the individuals
4 1 3
with respect to their salary, occupation, capacity, etc.
PC22. generate the scorecard based on the application
4 1 3
form filled by the individuals
PC23. prepare the memorandum based on the score
4 1 3
card of the application
PC24. mention the basic details about the individual
such as his name, address, occupation and earnings, purpose 3 1 2
of the memorandum, etc.
PC25. update the proposal number, sanction limit, etc. 3 1 2
PC26. provide the financial analysis of the individual
3 1 2
based on his/her occupation analysis
PC27. prepare recommendation based on the financial
analysis and the scorecard mentioning the sanction limit and 3 1 2
the structure of sanction
PC28. comply to the turnaround time 3 1 2
PC29. follow the required conduct, terms and
3 1 2
conditions related to the process
PC30. report to the concerned authority in case of any
3 1 2
deviations
100 30 70
BSC/N9902 PC1. listen attentively and paraphrase effectively in
Communicate order to understand precise requirements of customer, 9 1 8
effectively and superior or colleague 100
achieve customer PC2. be sensitive to: language, gender, cultural and social
9 1 8
satisfaction differences in addressing customers, superiors and

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 Compulsory NOS
Total Marks: 500 Marks Allocation
Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcomes Marks Practical
colleagues
PC3. maintain: positive attitude, correct body language,
9 3 6
dress code, gestures and etiquette
PC4. understand work output requirements, targets,
performance indicators and incentives and receive feedback 9 4 5
on work performance with positive attitude
PC5.cooperate, coordinate, and collaborate to achieve
9 3 6
shared goals
PC6. organize regular feedback collection as per
9 3 6
company’s SOP
PC7. address problems by educating, eliminating or
9 3 6
escalating
PC8. aim to gain customer loyalty and satisfaction 9 3 6
PC9. ensure clarity, honesty and transparency in dealing
9 3 6
with the clients
PC10. avoid mis-selling and misinforming 10 3 7
PC11. focus on enhancing brand value of company
9 3 6
through superior customer service
100 30 70
PC1. refrain from indulging in unfair trade and/or
11 2 9
corrupt practices
PC2. maintain records meticulously as per company’s
policy, follow prescribed rules and regulations and ensure 11 4 7
transparent dealings
PC3. avoid using company’s funds, property or
11 2 9
resources for undertaking personal activities
PC4. protect customer’s information and avoid IP
11 4 7
BSC/N9903 infringement
Maintain integrity PC5. protect data and information related to business or 100 11 4 7
and ethics commercial decisions
PC6. avoid misrepresentation or misinformation 10 4 6
PC7. demonstrate and practice ethics in day-to-day
13 3 10
processes and dealings with customers and colleagues
PC8. avoid defaming products and services of
12 4 8
companies in competition
PC9. consult supervisor or senior management when in
situations that may require differentiating between ethical 10 3 7
and unethical
100 30 70
PC1. share relevant inputs, feedback and insights to build
20 5 15
mutual trust
BSC/N9904 Focus PC2. exchange, defend and rethink ideas 20 5 15
100
on teamwork PC3. support team members to accomplish goals 30 10 20
PC4. facilitate group decision making and deal
30 10 20
productively with conflict

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 Compulsory NOS
Total Marks: 500 Marks Allocation
Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcomes Marks Practical
100 30 70

OPTIONS
Option 1. Corporate loans processing

Total Marks: 100 Marks Allocation

Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcome Marks Practical
PC1. ensure to obtain the required documents from
the borrower such as self- attested copy of KYC documents,
2 1 1
incorporation certificate, PAN card, address proof, latest
bank statements, etc.
PC2. gather the required financial details about the entity,
3 1 2
required for processing corporate loan
PC3. evaluate the financial history and income of the
8 2 6
borrower
PC4. analyse the existing debt of the entity 7 2 5
PC5. assess the purpose of the loan 7 2 5
PC6. provide the entity with the loan application form 1 1 0
PC7. explain the mandatory details and documents to
2 1 1
be provided by the entities
PC8. check the background information of the business
and their future business plans including projected earnings 3 1 2
and profit
BSC/N1913 PC9. review the credit history, available collateral and
8 2 6
Process corporate income of the borrower 100
loans PC10. evaluate the sanction limit based on the
8 2 6
documents analysed
PC11. decide whether to take forward the application to
7 1 6
sanctioning officer
PC12. ensure the paperwork analysis of the supporting
3 1 2
documents is complete
PC13. send the application and supporting documents
2 1 1
analysis for consideration and approval
PC14. forward the loan application to a loan
2 1 1
underwriter or loan committee
PC15. provide a letter of intent for approval and
3 1 2
signature of the concerned authority
PC16. mention the terms of loan, total amount to be
financed, type of collateral applied, terms of repayment, etc. 8 2 6
in the letter of intent
PC17. ensure the parties involved in loan processing
3 1 2
have agreed to the terms and conditions
PC18. submit the entire documentation to the loan 3 1 2

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 OPTIONS
Option 1. Corporate loans processing

Total Marks: 100 Marks Allocation

Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcome Marks Practical
committee for loan approval
PC19. obtain the signature of the borrower on the
1 1 0
finalized loan documents if the loan is approved
PC20. provide the loan in form of a draft, electronic wire
2 1 1
transfer to the borrower’s bank account or cashier’s check
PC21. ensure to complete the target number of loan
7 1 6
applications a day
PC22. follow the required conduct, terms and
8 2 6
conditions related to the process
PC23. report to the concerned authority 2 1 1
100 30 70

OPTIONS
Option 2. Processing lease finance

Total Marks: 100 Marks Allocation

Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcome Marks Practical
PC1. obtain customer’s / lessee’s specific needs such as
type of capital asset, brand, make, vintage, colour, quantity, 6 2 4
periodicity of repayments, etc.
PC2. seek information on purpose of and duration of
5 1 4
lease and intended mode of periodic repayments
PC3. inform about the required documents of the
lessee such as self- attested copy of KYC-support documents,
4 1 3
incorporation certificate for corporate entities, PAN card,
address proof, latest bank statements, etc.
PC4. gather financial statements or corporate entity or
4 2 2
income documents of individuals as per company’s SOP
BSC/N2514 PC5. collect individual lessee’s company documents
5 2 3
Process lease and approvals as necessary 100
finance PC6. evaluate the financial history or income of the
6 2 4
lessee
PC7. check CIBIL score of lessee 5 1 4
PC8. analyse risk-return of the lease deal 6 2 4
PC9. estimate operating costs, e.g., maintenance,
insurance, breakdown repairs, other service and 6 2 4
administrative costs as per SOP
PC10. assess the repayment capacity of lessee against
5 2 3
needs list
PC11. prepare lease budget for the proposed deal 8 2 6
PC12. ensure to obtain duly filled form(s) as per
5 2 3
company’s requirements

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 OPTIONS
Option 2. Processing lease finance

Total Marks: 100 Marks Allocation

Assessment Total Skills
Assessment Criteria for Outcomes Out of Theory
Outcome Marks Practical
PC13. ensure the paperwork of the supporting
5 1 4
documents is complete
PC14. send the application and supporting documents
2 1 1
analysis for approval
PC15. on approval, draw up the contract as per SOP
8 2 6
including terms
PC16. send the contract for approval to senior 2 1 1
PC17. ensure to process the target number of leasing
8 2 6
applications a day
PC18. follow the required conduct, terms and conditions
8 2 6
related to the process
PC19. report to the concerned authority 2 1 1
100 31 69

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