Program Brief

This training program aims to prepare the participants with the knowledge and skills necessary to pass the mandatory professional exam for Credit Advisor, which is intended for all employees of delivery channels, customer care and finance origination in the banking and financing sectors. The program is designed to provide participants with a comprehensive understanding of financing products, credit risks that customers might face, and how to manage those risks, as well as understanding the laws and regulations that will enable them to perform their obligations towards customers and beneficiaries responsibly and expertly.

Program Goals

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

  • Acquiring knowledge and skills to pass the credit Advisor professional exam
  • Increasing the knowledge of financing products for individuals, which helps them to assess the appropriateness of the financing solution with the client’s needs and the risks that he may be exposed to.
  • Increase knowledge with credit risk exposure clients might incur and in turn protecting them professionally and responsibly
  • Examine the relevant regulations to enable him/her to perform his duties in accordance with the standards specified by law
  • Be aware of the key operational risks enabling him/her to manage based on best practices
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 Regulations for Issuance and Operations of Credit and Charge Cards

        • 4 Regulations For Consumer Finance

          • 5 Implementing Regulations of the Real Estate Finance Law

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

              • 7 Rights and Responsibilities of the Lessor and Lessee under Finance Lease Law

                • 8 Rights and Responsibilities Associated with Financing Products

                  • 9 Rules for Disclosing the Prices of Financing and Savings Products

                    Module 2: Financing Mechanism
                    • 1 Factors Affecting the Acceptance of Applications for Financing Individual Customers

                      • 2 Responsible Lending Principles for Individual Customers

                        Module 3: Introduction to Operational Risk Management
                        • 1 Unusual and Suspicious Transactions and Procedures of Dealing Therewith

                          • 2 KSA Legal Framework for AML/CTF

                            • 3 Administrative Reference for Unusual and Suspicious Transactions (Compliance Department – Role of the Audit Department Officer)

                              • 4 Regulatory Procedures for Dealing with Unusual and Suspicious Transactions

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

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

                                    • 3 Collection Regulations and Procedures

                                      • 4 Procedures for Dealing with Defaulting Customers

                                        Module 5: Self-Management and Work Ethics in Financial Institutions
                                        • 1 Understanding the nature of Targets and How to Identify Them, whether at the Level of Individual or Establishment in which He Works

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

                                            • 3 Performance Measurement using the Employee Record and Balanced Score Card

                                              • 4 Activities According to the Identified Performance Targets Priorities and Determination of a Relative Weight for Each Target

                                                • 5 Effective Performance Standards and how to Measure, Analyze and Improve it

                                                  • 6 Priorities to Be Committed to by Management, and How to Use Time and Resources Available to Meet the Required Targets and Standards

                                                    • 7 Code of Ethics and Professional Conduct in FIs

                                                      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
                                                      • 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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