Certified Credit Evaluation & Risk Management Professional

Credit has been a great marketing tool and has contributed to higher sales and surging profits in recent years. Unfortunately, credit is not necessarily good and doesn’t guarantee that all is well. Credit raises default and liquidity risks. 90% of business cash flow arises from credit management.

Anything lesser would increase liquidity risk and rising funding costs for the business. As economic volatility escalates, cash flow becomes more unpredictable. Proactive managers should become cash flow driven.

Who Should Attend:

• New hires, management associates supporting the corporate banking functions in either client facing,  credit analysis or operational support roles
• Relationship managers and credit analysts keen to be certified via structured training
• Trade finance, cash management, credit administration personnel who require deeper understanding of the corporate lending function
• Banking professionals supporting the corporate banking department such as legal and compliance, IT, risk and audit
• Aspiring individuals who are keen to pursue a career in the corporate banking industry 

Benefits:

• Learn the principles of commercial banking
• Differentiate features and applications of core corporate banking products and services
• Know the relevant corporate banking regulations, industry guidelines and practices
• Understand credit evaluation framework and process
• Assess creditworthiness of client

Programme Outline:

1. Introduction to credit:

• Credit rationale and concepts
• Credit risk and cash flow management
• Cost of credit and profitability
• Working capital and credit requirements

2. Tools of credit risk management:

• The credit policy & procedures
• The collection policy & procedures
• The credit audit

3. Credit risk evaluation:

• The credit screening process
• Credit criteria and judgment
• Credit risk rating
• Credit responsibilities

4. Collection management:

• Managing on going receivables
• The collection – organization and process
• Collection expertise – knowledge and skills
• On going credit risk management

 
Training Methodology:

• Topical discussions
• Scenario analyses / case exercises
• Self discovery exercises
• Self reflection