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FINANCIAL MARKET COURSES

Credit Risk Customer Management

Courses In This Course

The global financial crisis highlighted many issues, not least of which was some extraordinary mismanagement of credit risk. Post-crisis reviews pointed to a major breakdown in loan underwriting standards and indicated that far too much lending prior to the crisis was either irresponsible or not very prudent. As events proved, banks and other financial institutions can lose billions, or even go out of business, due to their failure to manage credit risk properly.

 

This course, Credit Risk Customer Management, is part of a series of courses that are designed for financial market professionals looking to better understand and manage credit risk in a post-crisis world. Rather than focusing on how to perform credit analysis, the series adopts a “top-down” view of credit risk and its management, covering many areas that are not currently well articulated. While financial analysis has a role, well-trained bankers need to understand much more than financial statements and ratios in order to determine the ability of borrowers and counterparties to repay their obligations.

 

Learner Profile

This series of courses is aimed primarily at those working in a commercial/wholesale credit environment where risk assessment and credit approval is based on objective and subjective analysis and experience. However, much of the material is sufficiently generic to be relevant to retail/consumer/SME banking institutions as well.

  •    CREDIT RISK CUSTOMER MANAGEMENT - AN

       INTRODUCTION

    Overview

    This course is the first in a series that looks at the issue of customer management from a credit risk point of view. The focus here is on customer positioning and aggregation.

     

    In recent times, there have been substantial changes in banking services and how customers do business with their bank(s). With competition in the industry escalating – including an increased threat from nonbank entities – banks have had to reconsider their positioning strategies in an attempt to increase their market share, improve their profitability, and so on. This course describes some of the key issues related to customer positioning from a bank’s point of view. The course also looks at the importance of correct aggregation of credit facilities and/or utilizations for customers and customer groups, as well as some of the difficulties and challenges that banks face in that regard.

    Course Duration

    60 mins

    Prerequisite Knowledge

    Credit Risk Customer Management – Customer & Industry Risk

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  •    CREDIT RISK CUSTOMER MANAGEMENT -

       CREDIT FACILITIES

    Overview

    The credit risk that a bank incurs is a function not only of the creditworthiness of the customer, but also the size, nature, and structure of the credit facilities provided. This course looks at the main factors to be considered when assessing the risks for a proposed package of credit facilities for a customer. The course also describes much of the terminology associated with credit facilities – such as advised/unadvised, committed/uncommitted, and recourse/nonrecourse – as well as the factors that impact credit risk for different products that form part of credit facilities.

    Course Duration

    50 mins

    Prerequisite Knowledge

    Credit Risk Customer Management – An Introduction

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  •    CREDIT RISK CUSTOMER MANAGEMENT -

       STRUCTURING CREDIT FACILITIES

    Overview

    when structuring credit facilities, a bank must consider both the needs of its customers and how meeting those needs can give rise to risks that the bank needs to identify, assess, and accept/mitigate. This course covers both of these aspects in detail.

    Course Duration

    60 mins

    Prerequisite Knowledge

    Credit Risk Customer Management – Credit Facilities

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  •    CREDIT RISK CUSTOMER MANAGEMENT -

       COVENANTS & CREDIT DECISIONS

    Overview

    This first part of this course looks at covenants that are included by banks and other lenders in credit facility agreements. It describes the various types of covenant that are used, with particular focus on financial covenants, which are the most exacting type. The actions required to deal with both potential and actual breaches of covenants are also outlined.

     

    The second part of the course looks at credit decisions and how they are made. The importance of credit authority levels in making such decisions is described in some detail.

    Course Duration

    60 mins

    Prerequisite Knowledge

    Credit Risk Customer Management – Structuring Credit Facilities

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