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Live Online Training Schedules

Now participate in a live online course for a highly discounted fee of only $850, as a limited introductory offer.
(Terms and conditions apply)
CodeDateFormatFees 
BII1515 Feb - 19 Feb, 2021Live Online$1800Register
BII1517 May - 21 May, 2021Live Online$1800Register
BII1516 Aug - 20 Aug, 2021Live Online$1800Register
BII1515 Nov - 19 Nov, 2021Live Online$1800Register

Classroom Training Schedules

CodeDateVenueFees 
BII1522 Feb - 26 Feb, 2021Toronto$4750Register
BII1502 Aug - 06 Aug, 2021Prague$4750Register
BII1514 Nov - 18 Nov, 2021Dubai$3950Register

Did you know you can also choose your own preffered dates & location? Customise Schedule

Course Overview

Credit evaluation is a process that businesses or individuals undergo to become eligible for a loan or issue payments for goods and services over extended time periods. This also applies to businesses and lenders, including banks, when evaluating credit requests.

Credit risk analysis is a process to assess the risk or possibility of repayment failures by the borrower and the financial losses to the business because of these failures. The risk of the lender not receiving the principal and interest could result in interruption of cash flows and increased costs.

This Zoe training course will empower you with complete information and knowledge about credit risk evaluation, modelling and management.

It will help you assume critical roles of credit risk assessment and management in your organisation, thereby promoting greater opportunities for career progression.

Further, with the knowledge gained through this course, you would be able to assume roles at a global level, fostering increased scope for career development.

Course Objectives

The key objective of this Specialist in Credit Risk Evaluation, Modelling and Management training course is to empower professionals to—

  • develop a thorough understanding of credit risk evaluation, modelling and management
  • apply advanced concepts to evaluate and manage risks for one’s organisation
  • devise and build effective models for credit risk evaluation and management, thus safeguarding organisational interests and supporting organisational growth
  • mentor other professionals on effective credit risk evaluation, modelling and management
  • multitask and manage various functions concerning credit risks, thereby demonstrating one’s potential to undertake higher roles and responsibilities supporting career growth
  • review existing information to check for risks that could cause financial losses to one’s organisation
  • contribute to organisational growth and development through effective risk assessment and management
  • understand and work with advanced technology to make the credit risk evaluation process faster and smarter
  • assume higher roles and responsibilities requiring supervision of the entire credit risk evaluation process, thus increasing opportunities for growth and development
  • take timely decisions in case of defaulters and other challenges impacting one’s organisation financially

Training Methodology

Zoe Talent Solutions offers customised training programs on a variety of topics. Trainers are professionals with extensive experience in the relevant domain.

Trainees are encouraged to participate in the program through activities and projects assigned in groups. Role-plays, case study discussions and experience sharing from an integral part of the training model.

This mixed approach to training was devised by Zoe Talent Solutions and is called the Do–Review–Learn–Apply Model.

Organisation Benefit

Organisations whose professionals undertake this Specialist in Credit Risk Evaluation, Modelling and Management course will benefit in the ways mentioned below:

  • Successful credit risk evaluation, modelling and management handled by trained professionals
  • Organisational development because of minimum financial losses to the organisation
  • Robust systems and processes to identify possible risks and challenges in advance to prevent organisational impact
  • Continuous review and enhancement of protocols by experienced professionals
  • Application of advanced technology to make a credit risk assessment and management faster and better
  • Ongoing training of other employees on best practices of credit risk evaluation, modelling and management
  • Adherence with required standards of operation and execution of all functions related to credit risks
  • Use of appropriate models for credit risk assessment and management
  • Greater organisational credibility and stability, thus making the organisation competent in the industry

Personal Benefit

Professionals opting for this Specialist in Credit Risk Evaluation, Modelling and Management course will benefit in the several ways mentioned below:

  • Detailed information and experience about credit risk assessment, modelling and management
  • Increased knowledge and understanding of various models for credit risk assessment and management to apply the most appropriate model, in turn demonstrating one’s credibility to handle critical situations for one’s organisation
  • Increased knowledge and confidence to mentor other professionals on best practices of credit risk assessment and management
  • Greater confidence and experience to work with advanced technological systems to enhance the credit risk assessment and management process
  • Improved attention to detail to review existing systems and make changes to prevent financial losses through early identification and resolution
  • Better multitasking skills to manage various functions related to credit risks, thereby showcasing one’s talent and potential and encouraging better opportunities for growth and development across the organisation
  • Enhanced skill set and capabilities to play a key role in securing the interests and finances of the organisation, thus contributing to organisational growth and development

Who Should Attend

  • Top management of lender organisations mainly involved in creating lending strategies for the organisation
  • Executives and others working in functions involving credit risk assessment and management
  • Borrowers or customers seeking assistance in terms of finances from banks and other financial institutions
  • Legal and financial advisors undertaking critical roles in case of financial losses or defaulter cases
  • Managers and leaders overseeing functions related to credit risks
  • Credit personnel and recovery teams of financial institutions involved in the recovery of principal and interests
  • Any other professional interested in knowing more about credit risk evaluation, modelling and management

Course Outline

The Credit Risk Evaluation, Modelling and Management course covers the following topics regarding credit risk evaluation, modelling and management:

Module 1 – Five C’s of Credit

  • Character
  • Capacity
  • Capital
  • Collateral
  • Conditions

Module 2 – Principles of Lending

  • Liquidity
  • Safety
  • Diversity
  • Stability
  • Profitability

Module 3 – Types of Loans

  • Long-term loans
  • Short-term loans
  • Lines of credit
  • Alternative financing

Module 4 – Credit Risk Assessment – Financial Ratios in Altman’s Z-Score

  • Working capital/Total assets
  • Retained earnings/Total assets
  • Earnings before interest and tax/Total assets
  • Market value of equity/Total liabilities
  • Sales/Total assets

Module 5 – Types of Letters of Credit

  • Revocable
  • Irrevocable
  • Sight
  • Term
  • Confirmed
  • Revolving
  • Transferable
  • Standby
  • Red clause

Module 6 – Default Probability Estimation

  • The Merton model
  • The Jarrow—Turnbull model
  • The mean value model
  • The CRE model
  • Logistic regression
  • Gradient boosting
  • Markov chain modelling

Module 7 – Enterprise Financial Status Indicator

  • Financial structure
  • Earning ability
  • Operating ability
  • Debt paying ability
  • Cash flow
  • Growth

Module 8 – Enterprise Credit Risk Mode

  • Statistical model
    • Discriminant analysis
    • Linear multi-discriminant analysis
    • Logistic regression
    • Bayesian risk discriminant analysis
    • Cluster analysis
  • Neural networks
    • Multilayer perception
    • Back propagation
    • Radial function neural network
    • Probabilistic neural network
    • Self-organised competition
  • Learning vector
    • Support vector machine
  • Soft computing
    • Grey relational of reduction knowledge
    • Genetic algorithm of reduction knowledge
    • Fuzzy rough sets approach
  • Survival analysis
    • Credit risk modelling based on survival analysis
    • Corporate credit risk and macroeconomy
  • Hybrid models
    • Rough—K nearest neighbour
    • Rough sets—Neural network
    • Fuzzy rough sets—Nearest neighbour
    • Fuzzy—Nearest neighbour
    • Support vector machine—Nearest neighbour
    • Ant colony algorithm

Module 9 – Critical Aspects of Credit Risk Management

  • What is risk management and its definition
  • Know your customer
  • Credit evaluation process
  • Structure the offer
  • Close deal
  • Monitor performance

Module 10 – Steps for Effective Credit Risk Mitigation

  • Written credit policies
  • Standardised credit packages
  • Experienced underwriting/decision making
  • Loan approval authority
  • Well-managed credit risk rating system
  • Accuracy of loan documentation
  • Monitoring/reporting of loan performance
  • Problem asset management
  • Adequate loan loss reserve
  • Independent loan review and audit

Module 11 – Credit Risk Control Framework

  • Risk analysis
  • Risk control
  • Risk transfer
  • Risk monitoring
Online Courses
Note
Customized Schedule is available for all courses irrespective of dates on the Calendar. Please get in touch with us for details.
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918, Blue Bay Towers,
Al Abraj Street (Marassi Drive),
Business Bay, Dubai, UAE

UK Office

337, Forest Road, London,
England, E17 5JR

Ph: +44 7443 559344

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Live Online Training

Now participate in a live online course for a highly discounted fee of Only $850, as a limited introductory offer.

(Terms and conditions apply)