Module 2
Inside the Sanction Room
What Really Happens After Your Funding Proposal Lands at the Bank
A 1-Day Masterclass for NBFC Treasury, Finance and Funding Teams — 6 Hours ·
Practitioner-Led · Zero Jargon
Session - I (The Anatomy of a Credit Sanction)
9:00 AM – 11:00 AM · 2 Hrs
- What happens the moment your NBFC proposal lands at the bank’s RM desk
- The internal journey — RM → Credit Analyst → Risk Review → Credit Committee
- What each desk is looking for, what they flag, and what moves the file forward
- The full credit map decoded — seen for the first time from the borrower’s side
SESSION - II (Inside the Credit Machine)
11:30 AM – 1:30 PM · 2 Hrs
- How the bank spreads your financials — what ratios matter and what triggers concern
- How the internal rating scorecard works for an NBFC borrower
- ALM mismatch, asset quality, and fund utilisation — what the bank really sees
- Why proposals stall, get queried, or get rejected — and how to fix it before submission
SESSION - III (The Credit Committee Room)
2:30 PM – 4:30 PM · 2 Hrs
- What the highest credit committee of a bank actually asks when sanctioning an NBFC proposal
- The questions that kill deals — and the answers that save them
- How to structure your proposal narrative to survive committee scrutiny
- A pre-prepared ₹50 Crore NBFC reference case — walked through with live banker commentary
- Leave with a bank-ready proposal checklist for your very next submission
Programme Highlights
6 Hours
One focused day. No filler. Every hour anchored to real banking practice.
3 Sessions
Anatomy · Credit Machine · Committee Room — the full sanction journey in sequence.
₹50 Cr Case
A real NBFC term loan proposal used as a reference anchor in Session 3.
1 Takeaway
A bank-ready proposal checklist your funding team can use immediately.
Who Should Attend
NBFC CFO teams, treasury teams, funding managers, and relationship officers on the borrower side — anyone who prepares, reviews, or submits funding proposals to banks. Ideal for junior to mid level executives managing bank relationships and fund-raise mandates. Customisable for NBFC leadership induction programmes.
What Your Team Takes Back
- A clear picture of how the bank evaluates your proposal — desk by desk.
- Ability to pre-empt bank queries before submission — fewer rejections and rework cycles.
- Stronger financial narratives that meet Credit Committee expectations
- Faster credit decisions and cleaner sanction outcomes through better-prepared, bank-ready proposals.
- Sharper bank relationship management grounded in real credit process understanding.
Delivered by a practitioner who built the Corporate & NBFC book from zero to ₹35,000 Crore at Bandhan Bank. Every insight is drawn from real decisions made on real files. Experience the Bank's Credit Mindset.
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