Description

Course Name: Certificate in Commercial Banking Operations

Global Occupational Skill Standard – GOSS ID: GOSS/BAF/CCB/V1

Eligibility: Graduation or Equivalent.

Duration: Three Months.

Objective: The Certificate in Commercial Banking Operations course is designed to develop well-rounded professionals capable of managing the diverse operations, products, and services offered in the commercial banking sector. This program focuses on banking fundamentals, credit and loan management, business finance solutions, customer relationship skills, and regulatory compliance. It prepares learners for client-facing and operations-oriented roles in banks that cater to businesses, SMEs, and large corporations.

Get ready to join the Journey to become a GSDCI Certified Professional  – International Certification and Assessment Body.

Steps to become a GSDCI Certified Professional:

Step 1: Select your certification you want to pursue.

Step 2: Click on get certified tab, new pop up window will open.

Step 3: Click on pay certification fee, you will be redirected to billing details page.

Step 4: Fill your details and click on pay certification fee, You will be redirected to payment gateway, pay fee by any available options like Card(Debit/Credit), Wallet, Paytm, Net banking, UPI and Google pay.

Step 5: You will get Login Credentials of Online E-Books and Online assessment link on your email id, within 48 hrs of payment.

Step 6: After completion of the online assessment, the soft copy of your certificate will be sent to your registered email ID within 5 days.

Assessment Modules:

Module 1: Introduction to Commercial Banking: Functions and Types of Commercial Banks, Role in Economic Development, Banking Products and Services Overview, Structure of Indian and Global Banking Systems, Key Banking Terminologies, Regulatory Bodies and Compliance Framework.

Module 2: Deposit and Lending Operations: Types of Deposit Accounts (Savings, Current, Term), KYC and Account Opening Process, Types of Loans (Retail, SME, Corporate), Credit Appraisal and Sanctioning Process, Loan Documentation and Disbursement, Monitoring and Recovery Mechanisms.

Module 3: Credit and Risk Management: Credit Risk Assessment and Credit Scoring, 5 Cs of Credit and Risk Rating Models, Non-Performing Assets (NPAs) and Provisioning Norms, Basel Norms and Capital Adequacy, Collateral Management and Loan Restructuring, Credit Audit and Early Warning Signals.

Module 4: Treasury and Trade Finance: Basics of Treasury Management, Interbank and Money Market Operations, Forex Management and Currency Risks, Trade Finance Instruments (LC, BG, Bills), Export-Import Financing Procedures, Treasury Risk Management Tools.

Module 5: Banking Laws and Regulatory Compliance: Banking Regulation Act and RBI Guidelines, Negotiable Instruments Act, Prevention of Money Laundering Act (PMLA), Customer Protection and Ombudsman Scheme, Audit and Inspection by Regulators, Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT).

Module 6: Digital Banking and Customer Relationship: Core Banking Solutions (CBS), Digital Payment Systems (UPI, NEFT, RTGS), Cybersecurity in Banking, Customer Relationship Management (CRM), Marketing of Banking Services, Financial Inclusion and Priority Sector Lending.

GSDCI Online Assessment Detail:

• Duration- 60 minutes.
• Number of Questions- 30.
• Number of Questions from each module: 5.
• Language: English.
• Exam Type: Multiple Choice Questions.
• Maximum Marks- 100, Passing Marks- 50%.
• There is no negative marking in any module.

Benefits of Certification:

1. Global Recognition & Credibility – Stand out worldwide with a certification that opens doors across borders. Trusted by employers, respected by institutions, and recognized in over 100 countries.

2. Quality Assurance through ISO Certification – Certified to global ISO standards, our programs deliver excellence, consistency, and a benchmarked learning experience that speaks for itself.

3. Career Advancement & Employability – Enhances your resume and increases chances of promotions or job offers.

4. Non-Profit Trust Factor – Certifications from non-profit organizations are mission-driven rather than profit-driven.

5. Access to Verified Learning & Resources – Often includes e-books, mock tests, and online support without hidden costs.

6. Transparency & Online Verification – Certifications come with a unique Enrolment ID for easy online verification by employers and institutions.

7. Lifetime or Long-Term Validity – Certifications usually have lifetime validity or long-term recognition, reducing the need for frequent renewals.