Central Finance Completes Branch Conference and Credit Risk Analysis Training

31st August 2025, Kathmandu

Central Finance Limited has successfully concluded a two-day branch conference and specialized training program, marking a strategic investment in its workforce and operational efficiency.

Central Finance Completes Conference

The event, held on August 29 and August 30, at the Holiday Inn Resort in Budhanilkantha, Kathmandu, brought together branch managers and employees from across the company. The program was specifically designed to enhance staff competency in a critical area of banking: credit risk management. This initiative reflects the company’s forward-looking approach, recognizing that a well-trained and knowledgeable team is the cornerstone of sustainable financial stability and superior customer service.

An In-Depth Look at the Training Program

Under the strategic leadership of Chief Executive Officer (CEO) Rajoja Man Shrestha, the conference went beyond a typical management meeting. It incorporated a hands-on training module focused on credit evaluation and the fundamental aspects of credit risk analysis. The sessions were meticulously crafted to provide a blend of theoretical knowledge and practical applications that staff can use in their daily operations. The training program focused on several key areas, each vital for maintaining the financial health of the institution.

Precautions during Loan Disbursement: Employees were trained on essential measures to minimize risk during the loan processing stage. This included understanding the importance of meticulous documentation, verifying borrower information, and ensuring that all regulatory and internal compliance checks are completed before a loan is sanctioned. This focus on due diligence at the initial stage is critical for preventing future non-performing loans.

Methods of Credit Evaluation: The program provided detailed insights into various credit assessment techniques. Participants learned how to effectively analyze a borrower’s financial health, including their income, assets, liabilities, and repayment capacity. By equipping staff with these skills, Central Finance aims to ensure that lending decisions are based on sound financial analysis, thereby reducing the likelihood of default.

Financial Risk Mitigation: The training also covered practical strategies to reduce potential credit risks. This included methods for diversifying the bank’s loan portfolio to avoid overexposure to a single sector, accurately assessing collateral, and continuously monitoring repayment trends. These proactive strategies are essential for a robust risk management framework.

By focusing on these three core areas, Central Finance has equipped its branch-level staff with the necessary technical expertise to make informed lending decisions and protect the company’s financial stability.

Objectives and Expected Outcomes

Central Finance Limited believes that investing in such training programs is a crucial step towards achieving its strategic goals. The company has a clear set of objectives and expected outcomes from this initiative:

Strengthening Operational Efficiency: By standardizing best practices across all branches, the training ensures smoother and more effective operations. This leads to faster service delivery for customers and more efficient internal processes.

Improving Credit Decision-Making: A well-trained workforce is a bank’s first line of defense against financial risk. Staff with enhanced skills in credit evaluation and risk analysis will make better lending decisions, which will directly lead to a reduction in default rates.

Enhancing Customer Trust: When customers interact with knowledgeable and skilled employees, they feel more confident in the safety and reliability of the financial services they are receiving. This builds a strong foundation of trust, which is invaluable in the competitive banking sector.

Promoting Sustainable Financial Practices: Proper risk management at the branch level is not just about avoiding losses; it is about building a foundation for long-term financial health and stability. This forward-looking approach ensures that Central Finance can continue to grow sustainably.

The company has rightly emphasized that these programs are a crucial investment in human capital, directly linking staff development to service quality and risk mitigation.

Leadership, Participation, and Commitment to Quality

The success of the event was also due to the inclusive approach taken by the management. CEO Rajoja Man Shrestha provided strategic guidance, sharing valuable insights on the evolving challenges of credit risk in Nepal’s financial sector. The active participation of branch managers and staff from different departments allowed for a valuable exchange of information, combining executive guidance with practical, ground-level feedback.

Central Finance Limited has consistently highlighted its commitment to delivering safe, secure, and sustainable financial services. This branch conference and credit risk training program is a testament to that commitment. By continuously investing in the technical skills of its employees, the company ensures that all customer interactions are professional, well-informed, and risk-conscious. This dedication to continuous learning and staff development is expected to directly translate into enhanced customer satisfaction, stronger risk management, and overall institutional growth.

Conclusion

The successful completion of the branch conference and credit risk analysis training by Central Finance Limited marks a significant milestone in its ongoing effort to strengthen its workforce and operational capabilities. Held at the Holiday Inn Resort in Budhanilkantha, the event provided a crucial platform for CEO Rajoj Man Shrestha and his team to focus on credit evaluation, risk mitigation, and financial prudence. The company anticipates that these initiatives will not only enhance employee competency and improve decision-making but also enable the delivery of even more secure and sustainable financial services to clients across all its branches. By investing in its people, Central Finance Limited is setting a benchmark for professional excellence and demonstrating its unwavering commitment to financial stability and customer trust in Nepal’s competitive financial sector.

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