Program Brief

A credit advisor is of paramount importance in financial institutions as he advises on credit products that help make informed and effective decisions. This training program is designed to provide participants with the necessary knowledge and skills that qualify them to pass the mandatory professional exam for credit advisors, which is intended for all employees of service delivery channels and customer care in the banking and finance sectors, as the program includes introducing participants the types of financing, financing products, instructions for providing a real estate financing product, the main steps and documents for obtaining financing products, in addition to shedding light on "SIMAH" for credit information and credit report form, in addition to understanding the operational and credit risks that clients may be exposed to, how to manage those risks, and review the relevant laws and regulations, which enable them to perform their duties towards clients and the beneficiary professionally and responsibly.

Program Goals

At the end of the training program, the participant should be able to:

  • Acquiring the knowledge, abilities & skills necessary to pass the mandatory professional exam for the credit counselor
  • Increasing the knowledge of financing products for individuals, which helps to evaluate the appropriateness of the financing solution provided with the client’s needs, and evaluate the risks that the client may be exposed to.
  • Full understanding of the credit risks that customers may be exposed to, in order to protect them efficiently & professionally.
  • Get familiar with the relevant regulations & laws, to perform his job & fiduciary duties in accordance with the highest standards specified by law.
  • Be aware of the most important operational risks, in order to support dealing with them according to the best applicable methods.
  • Provide information that helps the customer make the best decisions to deal with credit products.
Program Agenda
Module 1: Financing Products
  • 1 Financing Products and Services Rendered by Banks and Financing Companies to Individual Customers in KSA

    • 2 Rules for Obtaining Financing Products

      • 3 Consumer finance Controls

        • 4 Regulations for Consumer Finance

          • 5 Standard Form for Contracts of Real Estate Finance (Murabaha and Ijara)

            Continued to Module 1: Financing Products
            • 1 The rights of the lessor

              • 2 Rights

                • 3 Rules for disclosing the prices of financial

                  • 4 Practical exercises

                    Module 2: Financing Mechanism
                    • 1 Factors affecting the acceptance of applications for financing individual customers

                      • 2 Responsible lending Principles for individual customers

                        • 3 The main steps

                          • 4 Credit information companies

                            • 5 Practical exercises

                              Module 3: Introduction to Operational Risk Management
                              • 1 Unusual

                                • 2 KSA Legal framework for AML/CTF

                                  • 3 Administrative reference for unusual

                                    • 4 Regulatory procedures for dealing with unusual

                                      • 5 Risk management

                                        • 6 Practical exercises

                                          Module 4: Customer credit risk
                                          • 1 Customer Credit Risk and Impact Thereon

                                            • 2 Financial Objectives Consistent with the Customer’s Financial Position

                                              • 3 Other risks of individual credit

                                                • 4 Collection Regulations and Procedures

                                                  • 5 Procedures for dealing with defaulting customers

                                                    • 6 Practical exercises

                                                      Module 5: Self-Management
                                                      • 1 Understanding the nature of Targets and How to Identify Them

                                                        • 2 Targets that are Achievable in Agreement with the Line Manager

                                                          • 3 Code of Ethics and Professional Conduct in Financial Institutions

                                                            • 4 Annex No. 1: Full or partial payment

                                                              • 5 Annex No. 2 A: Disclosure Form for Real Estate Finance Offer

                                                                • 6 Annex No. 2 B: Disclosure Form for real estate finance offer

                                                                  Program Requirements

                                                                  Not Available

                                                                  Program Path

                                                                  Names of the training programs that are integrated (enriched) with the training program:

                                                                  • Not Available

                                                                  Names of the training programs that after the training program:

                                                                  • Not Available
                                                                  Program Method
                                                                  • Lecture
                                                                  • Case Studies
                                                                  • Dialogue Teams
                                                                  • Exercises and assignments
                                                                  Evaluation Method
                                                                  • Pre Exam
                                                                  • Post Exam
                                                                  • Simulation Test for professional exam
                                                                  Training Type
                                                                  • In Class Training
                                                                  • Online Training

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