Banking Professional Smart-Banker Program

Industry Endorsed Certificate in Smart Banker Program Online Course

A Complete video lecture on Industry Endorsed Certificate in Smart Banker Program Online Course

Overview of Industry Endorsed Certificate in Smart Banker Program Online Course

A unique, job-oriented program, with first-time ever Finale training and simulations. A must-do for all branch banking aspirants; it covers deposit products, processes, cash, cheque and electronic payments, account servicing, third party products, as well as Finacle training. To get certified in this program you will have to give a mid-term (after 45 days) and an end-term exam (after 4 months). As part of this program all the candidates will be given 2 booklets to help his/her offline learning. The booklets will be dispatched within 15 working days from the date of purchase.

Table of contents

Course Outline

ChapterTopics
Introduction

The world of banking & finance: Instruments, markets, players

Key Concepts
Money & Interest: Money, Concept of Interest, Simple interest, Compound interest, Inflation
Accounting: Concept of Accounting, Concept of Business and its Classification, Understanding the Accounting Process, What is Debit & Credit from a Bank's POV; a bank's GL
Financial Statements; Profit & Loss Statement, Balance Sheet, Cash Flow, Live Examples
Banking Business
The Banking Business: The Structure of a Bank, specialized divisions and support functions
KYC & AML: Customer Identification, Customer Acceptance, Transaction Monitoring, Risk Management, Types of KYC & Documents in practice
Technology in Banking: An Overview of Technology in Banking, Core Banking Solutions (CBS)
This ends the first part, which is an overview of concepts and a big picture of the bank. We now move on, in more detail, to Retail Banking.
Retail Banking- Liabilities
Retail Banking - Liabilities: Liability Products - Introduction to Savings Account, Current Account, Term Deposits, NRI Banking, Deposit Operations
Retail Banking - Assets: Structure & functions of the retail banking unit, Asset products basis security and interest rates, Retail bank services and asset operations
Types of Accounts - Individual Accounts: Single Account, Joint Account, Minor and Incapacitated Account
Types of Accounts - Non-Individual Accounts: Introduction to HUF, Proprietorship & Partnership, Limited Company, Trust, Clubs and Societies
Types of Accounts - Account Status: Introduction to different types of account status
Savings Account: Introduction to types of Savings Account - Minor Account, Senior Citizen Account, Women's Account, Salary Account, No Frills Account, Student's Account, Account for Non-Individual entities, Understanding to Account opening form, Account portability and Account opening process
Current Account: Entities eligible to open current account, processing cost and MAB requirements, KYC documentation for current account, Introduction to current account product variants, Account opening form and process
Fixed Deposit: Introduction to Fixed Deposit and its' variant like 5 Year Tax Savings FD, Sweep In Sweep Out FD, Recurring Deposit. FD and RD opening process, FD account opening form, Lien marking, Overdraft facility and Account status
Finacle Process and Simulation: Opening an FDPrinting of FD receiptExtension of FDFD Premature closureOpening an RDSetting up of Standing Instruction

NR Accounts: Introduction to NRI, NRO, NRE, FCNR and RFC.

Transactions
Banking Laws: Banking Laws - Negotiable Instruments Act, Banking Regulation Act
Cash: Introduction to Cash Department, Security features of Indian currency notes, Functions of the teller, Detecting fake currency
Finacle Process and Simulation: Cash opening and closing processCash ReceiptCash DepositCash Deposit for new FD account
Clearing - Clearing & Settlement: Introduction to clearing, Elements of the Cheque
Clearing - Inward & Outward Clearing: Introduction to cheque payment mechanism, Inward Clearing, Outward Clearing
Clearing Part - Electronic Clearing System: Introduction to ECS, Concept of ECS Debit & Credit
Electronic Payments: Introduction to concept and settlement process of NEFT & RTGS

Finacle Process and Simulation: Cheque transfer process - Onus chequeNEFT transaction - Retail CustomerRTGS transaction - Corporate customer

Third Party Products
Insurance: Introduction to Insurance, Products - Life Insurance, General Insurance and Banc assurance
Mutual Funds: Introduction to Mutual Funds and Various type of Mutual Funds
Gold: Purchase process, Payment and Distribution
Sales Simulation: Understanding of customer requirement and suggesting the products
Customer Servicing
Account Servicing: Processing and handling customer's requests - E -statement registration, New cheque book request Internet Banking, Mobile Banking Request, Stop Payment request, Demand Draft etc.
Finacle Process and Simulation:Change of Address in customer's accountChange of Email addressChange of Mobile numberPan card Updation in the accountAddition of nominee in the customer accountChange of account status from Inactive to ActiveChange of dispatch mode and registration of E -statementIssuance of Demand DraftCancellation of Demand DraftIssuance of Cheque BookStop Payment of ChequeIssuance of Account Statement
Retail Trade
Retail Trade - Introduction: Introduction to Retail Trade, Process and Documentation

Trade Products: Type of trade transactions - Advance Payment, Letter of Credit etc, Introduction to International trade financing, Financing for Exporter and Importer

Forex

Branch Forex: Introduction to Branch Forex, Guidelines and documentation, Transacting in Forex

Retail Assets

Retail Asset: IIntroduction to Retail Asset, Types of Borrowers and Key Terms, Different types of asset products - Home loan , Auto loan and Gold loan etc.

About faculty of Industry Endorsed Certificate in Smart Banker Program Online Course

Rahul Goila
He has more than 7 years of experience in the areas of Business Development, sales, banking and E-learning.

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