Training: «Credit Risk Management»

Target audience:

· executives and managers of the bank engaged in analysis and management of credit risk,

· members of credit committees

· staff responsible for portfolio planning

Our training: how do you benefit from it?

· Obtain a systematic picture of credit risk management and analysis process

· introducing participants to identification of credit risk through financial analysis

· will be trained in different ways of building the credit process

· will be introduced to the concepts of credit and economic cycles

· will acquire skills in development of regulatory documents

· will get knowledge of various versions of loan approval and monitoring

· will get an idea of ​​credit rating and scoring system

· will have understanding of ​​an independent credit audit

· will have understanding of dealing with problem loans and loan portfolios

· will be introduced to the concept of credit risk ​control and planning system

· will have reinforced knowledge by studying practical cases and analyzing examples

Content:

Day 1 (8 hours)

· Introduction: objectives of the training

· Analysis of financial documents, going beyond the analysis of financial documents

Practical Part

· Practical exercises in financial analysis

· Types of loans for business development, their features and related risks

· Building up a credit process step by step

Practical Part

· Working in groups: case study on credit process description

Day 2 (8 hours)

· Economic and credit cycles, using them in portfolio planning and their impact on the risk size

· Logical model of risk management process

· Creation of regulatory documents (policies and procedures). Transformation of expectations and acceptable credit risk levels into the regulatory base

· Loan approval systems

Practical Part

· Practical analysis of policies and procedures

· Identification of problem zones in a loan approval system

Day 3 (8 hours)

· Creation and use of credit rating and scoring

· Role and tasks of an independent credit audit in monitoring and correction of the lending process components

· Problem loans and portfolios

· Risk monitoring and planning: vintage analysis, migration, stress tests and acceptable risk levels

Practical Part

· Practical tasks and case studies on risks planning and control

Additional description:

· Duration of the training is 2-3 days (16-24 hours), subject to specific client’s needs.

The training is carried out in an interactive way and is supported by case studies, role plays and problem solving. Participants are provided with training materials.