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FINANCIAL MARKET COURSES

Credit Risk Appetite – Customer & Industry Risk

Credit risk appetite varies considerably by customer type. Credit extended to a customer must comply with the lender’s credit risk appetite – proposals outside appetite may be approved, but only exceptionally.

 

Banks also need to manage industry risk – the risk that companies in a particular industry will be negatively impacted by various internal and external factors.

 

This course looks at how banks identify, manage, and mitigate both customer and industry risk.

  • OBJECTIVES

    On completion of this course, you will be able to:

    Describe how credit risk appetite differs depending on the customer type

    Explain how banks identify and manage industry risk

  • COURSE OUTLINE

    Topic 1: Customer Risks

    Customer Groups

    o Customer Groups: Aggregation of Facilities

    Customer Types & Concentration Limits

    Credit Facilities & Credit Risk Appetite

    Other Appetite Considerations

    Proposals Outside Credit Risk Appetite

    Topic 2: Concentration Risk

    The Importance of Industry Classification

    Industry Classification Codes

    Understanding & Assessing Industry Risk

    Setting Industry Risk Appetite

    Reporting & Managing Industry Risk

  • PREREQUISITE KNOWLEDGE

  • ESTIMATED COMPLETED TIME

    60 Minutes

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