Program Brief

The issuance of the new Saudi Mortgage Law in 1442h, strengthened and boosted the real estate financing products for individuals in the Kingdom of Saudi Arabia, as it achieved the necessary guarantees when practicing Mortgage financing by setting measures that protect the creditor, debtor and guarantor in the credit process. Participants in this program learn about the knowledge and skills related to the credit cycle of Mortgage Financing, the relevant laws and regulations, as well as the practical application of quantitative analysis in the measurement of risk.

Program Goals

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

  • Acquiring knowledge of the latest developments in the housing sector and the mortgage finance market, including legislative changes, opportunities and challenges in order to improve the efficiency of mortgage products management and its response to c
  • Increase knowledge and professional ability in the credit cycle mortgage finance management to reduce credit risk and increase profitability
  • Improve awareness with relevant regulations and laws to enable better performance of his/her duties in accordance with the standards set by law
  • Use the adequate tools and models to carry out credit assessment activities, and measurement of risks associated with mortgage financing to improve his/her efficiency in performing assigned work tasks
  • Be aware of the mortgage market key risks areas and its management in order to support the handling process in accordance with the best practices in force in the Kingdom
Program Agenda
Module 1: Mortgage Finance Market
  • 1 Overview on housing sector growth, and mortgage financing

    • 2 The development of laws regulating mortgage finance

      • 3 The mortgage finance ecosystem and main key players

        • 4 The impact of mortgage finances the on the economy

          Module 2: Mortgage Market Risks
          • 1 The concept of risk in credit activities

            • 2 The concepts of investment risks

              • 3 Financial risks

                • 4 Market risk

                  • 5 Operational risks

                    • 6 Capital market risks

                      Module 3: Credit Assessment
                      • 1 Credit cycle and its governance

                        • 2 The credit assessment pillars

                          • 3 Mortgage conditions and guarantees

                            Module 4: Mortgage Fiduciary Procedures and Policies
                            • 1 What is the credit Policy?

                              • 2 Basis for assessing credit-worthiness

                                • 3 Analyzing financial statements using various methods

                                  • 4 Real-estate valuation policies and processes

                                    • 5 Analyzing and evaluating the financial and non-financial risks associated with the client's and the Real-estate

                                      • 6 Customer classification system

                                        • 7 Mortgage documentation process

                                          • 8 Case Study

                                            Module 5: Quantitative Risk Analysis
                                            • 1 Statistical indicators

                                              • Standard deviation

                                                • Beta coefficient

                                                • 2 Measuring risk

                                                  • 3 Measuring ROI and risks for a Securities portfolio

                                                    • Assumptions related to investor behavior

                                                      • Assumptions related to the capital market

                                                      • 4 The capital asset pricing model (CAPM)

                                                        Module 6: Credit Risk Management Strategies
                                                        • 1 Risk appetite statement

                                                          • 2 Risk acceptance strategy

                                                            • 3 A calculated risk-taking strategy

                                                              • 4 A strategy to cover all risk

                                                                • 5 Compliance requirements

                                                                  Program Requirements

                                                                  Not Available

                                                                  Program Path

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

                                                                  Names of the training programs that after the training program:

                                                                  Program Method
                                                                  • Lecture
                                                                  • Case Studies
                                                                  • Dialogue Teams
                                                                  Evaluation Method
                                                                  • Pre Exam
                                                                  • Post Exam
                                                                  Training Type
                                                                  • In Class Training
                                                                  • Online Training
                                                                  Partners

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