Objectives

• To understand the concepts of Channel Financing and Distributor Financing products
• To analyze working capital cycle of a client inorder to develop Channel Financing and Distributor Financing products
• To Structure Channel Financing and Distributor Financing products
• To grade clients based on their risk for Channel Financing and Distributor Financing products
• To make sound credit decisions in evaluation, risk management and recovery
• To perform market Channel Financing and Distributor Financing products among the potential clientale

Introduction to Channel Financing and Distributor Financing products

• To understand the concepts of Channel Financing and Distributor Financing products
  • Importance of financing the business channels
  • Available Product offerings to the bank
  • Benefits to the bank and the client
  • Benefits to the principal or the corporate
  • Understand the business process and business channels

Analyzing working capital cycle of a client inorder to develop Channel Financing and Distributor Financing products & to Structure Channel Financing and Distributor Financing product

• Calculation of the Working capital cycle
• Identify the requirement to fund the working capital gap through channel financing pkroducts
• GRN/Invoice/Cheque Discounting facilities;
• Channel Financing Bank Guarantee facilities
• Introduction of recourse
• Cheque warehousing
• Grading and Risk Rating of clients
• Securities that can be available for channel Financing products
• Develop a Product Program Guide for channel financing facilties

Credit Appraisal & evaluation

Customer evaluation

• Credit Investigation and analyzing data / Information
• Non Financial Analysis
• Lead Generation and marketing channel Finanicing products
• Acceptable securities/pricing of channel financing products

Remedial and Recovery Management

• Identification of Early Warning Signals
• Remedial and Recovery arrangements