Program Brief

Choosing the right credit decision is the first line of defense for preserving lenders' capital, protecting creditors, and maximizing profitability for the bank. In this program, the participant gets familiar with the stages of credit decision-making according to the approved credit policy, the latest strategies for analyzing and calculating credit risks, local and international controls and standards, to be able to make a correct and successful credit decision that controls the expected risks.

Program Goals

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

  • Understand credit and the concept of credit policy evaluation and its components so that he can analyze the solvency and capabilities of the client and match them with the approved credit policy
  • Utilizing the latest methods and strategies to analyze and calculate credit risks and set controls to ensure correct credit ratings for clients
  • Determining the factors affecting credit decisions and establish controls over credit issuing to ensure successful credit issuance and closing
  • Deal with the impacts for basel3 and IFRS which related with credit management to minimize the risk and effects
Program Agenda
Module 1: Credit and Credit Policy
  • 1 Credit Concept, Goals and Types

    • 2 Credit analysis definition

      • 3 Use of credit analysis before and after the loan is granted

        • 4 Money Creation Concept

          • 5 Modern Credit View related with Covid 19 effects

            • 6 Credit Policy applied and legal importance

              • 7 Preparing and approving the credit policy

                • 8 Creditworthiness

                  Module 2: Creditworthiness
                  • 1 Customer credit study and types of customer

                    • 2 Stage, control, and criteria for granting credit

                      • 3 Resources, Indicators, and information for credit study

                        • 4 Credit documentation

                          • 5 The Managerial, technical, interpersonal and behavioral skills of a successful credit officer

                            Module 3: Credit Risk
                            • 1 Credit risk Types and classification procedure

                              • 2 analysis for credit risk in financial institutions

                                • 3 Credit risk evaluation and analysis

                                  • 4 and tools of inquiry and credit check and investigations

                                    • 5 Credit risk management

                                      • 6 Credit portfolio risk management

                                        Module 4: Credit Analysis
                                        • 1 Credit analysis

                                          • 2 Credit analysis model

                                            • 3 Financial Statement analysis

                                              • 4 financial ratios analysis and creditworthiness

                                                • 5 Deviations analysis and financial default indicators

                                                  • 6 International model for credit analysis

                                                    • 7 Credit portfolio analysis

                                                      • 8 Financial Leverage analysis

                                                        • 9 Forecasting Models for Financial Failure and it use before and after grant the loan

                                                          Module 5: Credit Control
                                                          • 1 Pre and after credit control

                                                            • 2 Concept and importance for Credit report

                                                              • 3 Steps to prepare Credit report

                                                                • 4 Standard for preparing credit report

                                                                  • 5 Credit report analysis

                                                                    • 6 The critical data in credit report

                                                                      • 7 Use credit reports in decision-making and credit control after grants

                                                                        Module 6: International Developments
                                                                        • 1 International credit management modeling

                                                                          • 2 Various legal rules and procedures for credit

                                                                            • 3 Basel 2

                                                                              • 4 IFRS, IAS and it is impact on credits

                                                                                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
                                                                                • Brainstroming
                                                                                • Practical Implementation
                                                                                • Dialogue Teams
                                                                                Evaluation Method
                                                                                • Pre Exam
                                                                                • Post Exam
                                                                                Training Type
                                                                                • In Class Training
                                                                                • Online Training

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