Certificate in Commercial Banker

Description

Course Name: Certificate in Commercial Banker
Course Id: CCB/Q0101.

Eligibility: Graduate or equivalent is required.

Objective: The Certificate in Commercial Banker course is designed for individuals aspiring to work in the business banking or corporate lending divisions of banks and financial institutions. It provides a strong foundation in banking operations, business finance, credit appraisal, and customer relationship management, with a focus on small and medium-sized enterprises (SMEs) and corporate clients.

Duration: Three Months.

 How to Enroll and Get Certified in Your Chosen Course:

 Step 1: Choose the course you wish to get certified in.

 Step 2: Click on the “Enroll Now” button.

 Step 3: Proceed with the enrollment process.

 Step 4: Enter your billing details and continue to course fee payment.

 Step 5: You will be redirected to the payment gateway. Pay the course and exam fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.

 Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.

 Step 7: Once you complete the course, take the online examination.

 Step 8: Upon passing the examination, you will receive:
• A soft copy (scanned) of your certificate via email within 7 days of examination.
• A hard copy (original with official seal and signature) sent to your address within 45 day of declaration of result.

 Step 9: After certification, you will be offered job opportunities aligned with your area of interest.

Online Examination Detail:

Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.

 Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:

 Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.

 Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.

 Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.

 Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.

 Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.

 Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.

Syllabus:

Module 1: Introduction to Commercial Banking: Overview of banking system and functions, Role of commercial banks in the economy, Types of banks and banking services, Structure and operations of a commercial bank, Basic banking terms and definitions, Principles of banking, Retail vs corporate banking, Importance of customer relationship, Banking regulations and RBI guidelines, History and evolution of commercial banking in India.

Module 2: Banking Products and Services: Savings and current accounts, Fixed and recurring deposits, Credit and debit cards, Personal loans and home loans, Business loans and working capital finance, Overdrafts and cash credit, Internet and mobile banking, Foreign exchange services, Insurance and investment products through banks, Locker and custodial services.

Module 3: Credit and Loan Management: Credit appraisal process, Types of loans and advances, Credit risk analysis and scoring, Loan documentation and disbursement, Collateral and security types, NPA classification and recovery process, CIBIL and credit reports, Interest calculation and EMI schedules, Monitoring and review of credit accounts, Legal aspects of loan recovery.

Module 4: Regulatory and Compliance Framework: RBI functions and regulatory role, Banking Regulation Act, 1949, KYC and AML guidelines, Basel norms and capital adequacy, Risk management in banking, Customer service and grievance redressal, Cybersecurity in banking, Ombudsman scheme, Compliance reporting, Audit and inspection in banks.

Module 5: Financial Statements and Banking Analysis: Understanding bank balance sheets and P&L, CAMELS rating system, Asset-Liability Management (ALM), Cash flow and fund flow in banking, Ratio analysis for banks (CRAR, NIM, GNPA, NNPA), Sources and application of bank funds, Performance indicators of commercial banks, Treasury management basics, Profitability and risk indicators, Use of analytics in banking decisions.

Module 6: Technology and Soft Skills in Banking: Core banking systems (CBS), Payment systems (NEFT, RTGS, UPI, IMPS), Digital transformation in banking, CRM and customer service tools, MS Excel for banking applications, Communication and interpersonal skills, Sales and cross-selling techniques, Ethical conduct in banking, Handling customer complaints and queries, Preparing for banking exams and interviews.

✅ Career Opportunities After Certificate in Commercial Banker

🔹 1. Banking Operations Executive

• Workplace: Public and private sector banks

• Role: Handle account opening, KYC, cheque processing, deposits

• 💰 Salary Range: ₹18,000 – ₹35,000/month

🔹 2. Credit Officer / Loan Processing Officer

• Workplace: Banks, NBFCs, housing finance companies

• Role: Assess loan applications, verify documents, disburse credit

• 💰 Salary Range: ₹22,000 – ₹45,000/month

🔹 3. Relationship Manager (Retail/SME Clients)

• Workplace: Banks or financial service firms

• Role: Cross-sell banking products, build customer relationships

• 💰 Salary Range: ₹25,000 – ₹60,000/month + incentives

🔹 4. Customer Service Officer (CSO) – Banking

• Workplace: Bank branches or call centers

• Role: Address queries, resolve complaints, handle transactions

• 💰 Salary Range: ₹18,000 – ₹32,000/month

🔹 5. Sales Executive – Banking Products

• Workplace: Field or telesales teams in banks and NBFCs

• Role: Promote credit cards, personal loans, savings accounts

• 💰 Salary Range: ₹15,000 – ₹40,000/month + incentives

📈 Income Overview in India