CCRP™Certified Credit Risk Professional
Rating:
English
Intermediate
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Course Overview
This interactive course is designed for bank practitioners from front office, back office and central units who are confronted with credit risk. By attending this practical and informative course, you will be able to understand credit risk in all its facets, including quantitative and qualitative risk analysis. When assessing the credit risk of an SME you can often be overwhelmed with information. The course helps you to structure the information in a structured and consistent way, with appropriate focus on crucial risk drivers. This in turn helps you to develop an integrated strategy for the identification, analysis and mitigation of credit risks, both on client as well as portfolio level. In addition, the course develops an understanding for the organizational aspects of a bank’s credit business with regard to structures and processes. This enables financial institutions not only to manage credit risk, but to do it in an efficient cost saving manner. The course participants will additionally discuss the latest international developments in credit risk management and supervision. Through interesting case studies and exercises, delegates develop a new approach to complex analytical tasks.
Key Takeaways
1
Understand the components of credit risk, and the methods by which credit risk can be modelled and quantified.
2
Gain a better understanding of international supervisory requirements on credit risk management (incl. Basel II, Basel III and Basel IV).
3
Gain an overview of the key drivers for credit loss at portfolio level and Learn about efficient and practical risk management tools at portfolio level.
4
Practice financial and nonfinancial analysis of credit risk at client level – especially for SMEs.
5
Learn about optimal structures and processes in a credit business.
International Academy of Business and Financial Management
The International Academy of Business and Financial Management™ is one of the world’s fastest growing professional association with more than 200,000 members, associates and affiliates in 145 countries. IABFM™ hosts and organizes certification training worldwide and offers exclusive board designations to candidates who meet the highest professional standards and assessment criteria. The IABFM is credited by the American National Standards Institute (ANSI) the International Standards setting authority.
Course Outline
Part 1
Credit Risk & Supervisory
The Credit Creation Multiplier - importance of a consistent supply of credit to an economy
The Credit Crisis – Analysis of its causes and effects, and what we should learn
The Regulatory response – the Basel Accords. Understanding the Pillars of Basel ii and what they seek to achieve.
Outlook on Basel III, Basel IV and other current developments in the Basel Capital Framework
Other considerations for Financial Institutions - Fair value accounting (the implications of IFRS 9)
Looking into the Future –the outlook and likely changes in the debt markets.
The Credit Crisis – Analysis of its causes and effects, and what we should learn
The Regulatory response – the Basel Accords. Understanding the Pillars of Basel ii and what they seek to achieve.
Outlook on Basel III, Basel IV and other current developments in the Basel Capital Framework
Other considerations for Financial Institutions - Fair value accounting (the implications of IFRS 9)
Looking into the Future –the outlook and likely changes in the debt markets.
Part 2
Credit Risk at Portfolio Level
The practical issues related to the calculation of Bank Risk Capital under Basel iii, and the related behaviours that regulators expect banks to comply with.
Understanding the components of credit risk and the principles behind the calculation of PD, LGD, EAD; and how they enable credit analysts to estimate potential credit losses.
The mathematics of credit risk management – the use of Internal and External Ratings, credit scoring, statistical models, market implied indicators and Value at Risk assessments.
Risk adjusted pricing in theory and practice
Risk Reporting systems – how a risk-oriented reporting system should be designed
Methods of Credit Risk mitigation.
Understanding the components of credit risk and the principles behind the calculation of PD, LGD, EAD; and how they enable credit analysts to estimate potential credit losses.
The mathematics of credit risk management – the use of Internal and External Ratings, credit scoring, statistical models, market implied indicators and Value at Risk assessments.
Risk adjusted pricing in theory and practice
Risk Reporting systems – how a risk-oriented reporting system should be designed
Methods of Credit Risk mitigation.
Part 3
Organization of Credit Business
The principles of Risk Appetite and how Credit Risk Strategies and it influences organizational structures. Different types of lender - How their borrowing needs may differ.
How the proper organization of the bank’s credit business can save money and support effective risk management.
Risk Appetite and Risk Taking Capacity – an instrument for overall bank risk management
How an optimal credit process should be designed to lower credit risk and speed up the process
The profile of typical SME business entities and the nature of their funding needs
How a bank can handle and structure SME credit business – why an objective approach to credit risk assessments, supported by dynamic risk monitoring are the keys to success
Islamic Finance and the specific credit risk considerations that might arise.
How the proper organization of the bank’s credit business can save money and support effective risk management.
Risk Appetite and Risk Taking Capacity – an instrument for overall bank risk management
How an optimal credit process should be designed to lower credit risk and speed up the process
The profile of typical SME business entities and the nature of their funding needs
How a bank can handle and structure SME credit business – why an objective approach to credit risk assessments, supported by dynamic risk monitoring are the keys to success
Islamic Finance and the specific credit risk considerations that might arise.
Part 4
Credit Risk at Client Level I
An introduction to a structured approach to credit risk assessment – the balance between Business and Financial Risks, Understanding the borrowers’ Credit Need, and the primary and secondary sources of repayment Non-financial Analysis – understanding the geographies, industries and markets that the borrower operates in and the tools that can help us assess what risks they involve.
Assessing a borrowers’ management structure and capabilities – a critical component.
The principles of Financial Statement Analysis – does the financial profile look consistent with the business risk associated with the borrower.
Validating trends – the effective use of Ratio analysis.
The importance of cash flow – the typical sources and uses of operating cash of an SME borrower
Assessing a borrowers’ management structure and capabilities – a critical component.
The principles of Financial Statement Analysis – does the financial profile look consistent with the business risk associated with the borrower.
Validating trends – the effective use of Ratio analysis.
The importance of cash flow – the typical sources and uses of operating cash of an SME borrower
Part 5
Credit Risk at Client Level II
The principles of Financial Statement Analysis – does the financial profile look consistent with the business risk associated with the borrower.
Validating trends – the effective use of Ratio analysis.
The importance of cash flow – the typical sources and uses of operating cash of an SME borrower
Putting all elements of the analysis together – Reaching a credit decision.
Early Warning indicators – why a proactive approach to problem loan management and debt restructuring is important.
Validating trends – the effective use of Ratio analysis.
The importance of cash flow – the typical sources and uses of operating cash of an SME borrower
Putting all elements of the analysis together – Reaching a credit decision.
Early Warning indicators – why a proactive approach to problem loan management and debt restructuring is important.
Who Should Attend?
This highly practical and interactive course has been specifically designed for
The training is ideally suited to anybody already in, or aspiring to migrate into, a business management role within a financial institution. It will also be extremely relevant to staff directly involved in credit sanctioning or credit administration, including those working in Second or Third “Line of Defence” roles. Ideally, attendees will not be newto-role, as the training is structured at an intermediate to advanced level. In particular a working knowledge of the structure and use of business financial statements is a prerequisite.
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FAQ
What language will the course be taught in and what level of English do I need to take part in an LEORON training program?
Most of our public courses are delivered in English language. You need to be proficient in English to be able to fully participate in the workshop and network with other delegates. For in-house courses we have the capability to train in Arabic, Dutch, German and Portuguese.
Are LEORON Public courses certified by an official body/organization?
LEORON Institute partners with 20+ international bodies and associations.We also award continuing professional development credits (CPE/PDUs) for:1. NASBA (National Association of State Boards of Accountancy) 2. Project Management Institute PDUs 3. CISI credits 4. GARP credits 5. HRCI recertification credits 6. SHRM recertification credits
What is the deadline for registering to a public course?
The deadline to register for a public course is 14 days before the course starts. Kindly note that occasionally we do accept late registrations as well, but this needs to be confirmed with the project manager of the training program or with our registration desk that can be reached at +1071 4 1075 5711 or register@leoron.com.
What does the course fee cover?
The course fee covers a premium training experience in a 5-star hotel, learning materials, lunches & refreshments, and for some courses, the certification fee and membership with the accrediting bodies.
Does LEORON give discounts?
Yes, we can provide discounts for group bookings. If you would like to discuss a discount on a corporate level, we will be happy to talk to you.
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- Review:IAMM Internal Audit Maturity ModelIn recognition of their dedication and contribution supporting IKEA Saudi Arabia in arranging training programs during 2017 & 2018, looking forward for more development and exciting effort this year. On behalf of IKEA Saudi Arabia, THANK YOU!Dalal KutbiCountry Learning & Development Manager at IKEA Saudi Arabia
- Review:Certified Professional in Quality and Patient SafetyDating back to 2014, Mobily’s “LEORON” experience has grown from a single collaboration to a long-term partnership. We consider ‘’LEORON” Institute as a strategic partner, whose contribution has been nothing but premium in equipping our staff with field-based knowledge and information. Past three years have resulted with an expanded collaboration with superior customer service and support. Best Regards,Turki S. AlsahaanDir L&D, Talent Management at Mobily, Etihad Etisalat Company
- Review:Certified Professional in Quality and Patient SafetySince the partnership was signed between BAE Systems Saudi Development & Training and LEORON in 2017, we have been working together to offer the Saudi market a complete portfolio of training solutions benefiting from the wide and extensive experience of both parties. Recognizing the great success of this partnership, we are looking for further collaborations in the future that will position both companies as one of the leading training providers in Saudi Arabia. We thank the LEORON team for their full cooperation and continuing support, and look forward to further success together in the years to come.Emad AlrajihVP, Business Winning at BAE Systems Saudi Development & Training
- Review:Certified Professional in Quality and Patient SafetyWe have been working with LEORON for the past two years and will be working with them again this upcoming year. The programs they delivered were fruitful and exciting and our organization has received positive feedback from the participants. What our organization aims to do is to provide at no cost training for all the private sector employees so that they may benefit from our offered programs in Innovation and Professional development. Leoron has helped us achieve this goal. We look forward to continuing this service and wish them the best of luck. Regards,Nasser M. Al-SubaieSr. Program Officer, Enterprise Learning & Human Development at Kuwait Foundation for the Advancemen
