IIBF Credit Officer (CCP) Syllabus: The 5 Modules
One paper, five modules, the whole lending cycle from appraisal to recovery. Here is the full breakdown.
The IIBF Certified Credit Professional (CCP) syllabus covers the full lending cycle in five modules: an overview of credit, financial statement analysis, working capital management, other credits, and the monitoring and management of impaired assets. One online paper of 100 MCQs tests all five, including situation and problem-based questions.
This page lists what each module contains. For how the paper and the training stage are scored, see the exam pattern page.
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What Does the CCP Syllabus Cover?
The CCP syllabus covers end-to-end credit management: lending principles and credit policy, borrower and facility types, appraisal and credit rating, balance sheet and ratio analysis, project and working capital assessment, export and priority-sector finance, documentation, credit monitoring, NPA norms and recovery under SARFAESI and the DRT route.
The paper is applied by design. Expect questions that put you inside a proposal, a set of financials or a stressed account, not just definition recall.
The Five Modules in Detail
Topic areas within each module, in courseware order.
Introduction & Overview of Credit
- 1Principles of lending: safety, liquidity, profitability
- 2Model credit policy & exposure norms
- 3Types of borrowers & credit facilities
- 4Credit delivery: sole/multiple banking, consortium, syndication
- 5Credit appraisal & the Six C's
- 6Credit rating: internal & external
Analysis of Financial Statements
- 1Balance sheet & P&L analysis
- 2Ratio analysis
- 3Fund flow & cash flow statements
- 4Project / term loan appraisal
- 5Capital budgeting: payback, NPV, IRR
- 6Break-even & sensitivity analysis
Working Capital Management
- 1Operating cycle & assessment methods (turnover, MPBF, cash budget)
- 2CMA data analysis
- 3Letters of Credit & LC limits
- 4Bank guarantees
- 5Co-acceptance facilities
Other Credits
- 1Export finance (pre/post-shipment)
- 2ECGC schemes
- 3Priority sector & government-sponsored schemes
- 4Agriculture & MSME finance
- 5Retail loans
- 6CERSAI registration
Monitoring & Impaired Assets
- 1Documentation & types of charges
- 2Credit monitoring & follow-up
- 3NPA identification & IRAC norms
- 4Restructuring of stressed assets
- 5Recovery: SARFAESI, DRT, compromise settlements
Real appraisal and ratio questions. No signup.
Where the Marks Concentrate
Weight your study time toward the parts candidates consistently find decisive.
- check_circleFinancial statement analysis: ratios, fund flow and appraisal calculations need worked practice, not reading.
- check_circleWorking capital assessment: MPBF and cash-budget methods appear as applied problems.
- check_circleIRAC norms and NPA identification: precise cutoffs and classifications, easy marks if learned exactly.
- check_circleSituation-based questions can draw on any module, so skipping one entirely is a risk.
Verify Against the Current IIBF Announcement
IIBF revises courseware and syllabus details between cycles. Confirm the current module list on IIBF's Certified Credit Professional page before building a study plan around any summary, including this one.
FAQs
How many modules does the CCP syllabus have?expand_more
Five: introduction and overview of credit, analysis of financial statements, working capital management, other credits, and monitoring and impaired assets.
Does the CCP paper test calculations?expand_more
Yes. Ratio analysis, capital budgeting (payback, NPV, IRR), working capital assessment and break-even analysis all appear, alongside situation and problem-based questions.
Is recovery law part of the syllabus?expand_more
Yes. The impaired-assets module covers NPA identification, IRAC norms, restructuring, and recovery through SARFAESI, DRT and compromise settlements.
Next steps
Take a full CCP mock test100 questions on this exact syllabus, timed and scored.