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.
At the end of the training program, the participant should be able to:
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
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
1 Credit cycle and its governance
2 The credit assessment pillars
3 Mortgage conditions and guarantees
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
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)
1 Risk appetite statement
2 Risk acceptance strategy
3 A calculated risk-taking strategy
4 A strategy to cover all risk
5 Compliance requirements
Not Available
Names of the training programs that are integrated (enriched) with the training program:
Names of the training programs that after the training program:
Not Available
Add Comment