Banking Credit and Risk Management Program

The risk landscape is ever-changing and financial sector professionals need to keep up with the latest in modern credit analysis. To remain ahead of the curve, they need to consistently acquire and develop skills and understand every aspect of managing a successful credit package. The Banking Credit program takes a deep dive into today's credit analysis best practices, how to adopt current evaluation tools, write comprehensive credit analysis reports, and manage a loan or loan portfolio.

Participants will gain the necessary knowledge and skills to ensure and maintain high loan quality and develop a credit rationale consistent with their organization’s overall lending strategy. This program is delivered by financial industry experts using technology-driven, experiential learning activities. Within this setting, and upon completing this program, participants are equipped with a skill set that allows them to apply their in-class learning to real-life credit cases in their organizations.

• Acquire in-depth knowledge of bookkeeping and the accounting cycle that are the building blocks of financial statements
• Identify inherent risks in the economy, industry, and business of borrowers as well as their related mitigants
• Analyze financial statements and conduct a cash flow analysis to assess a company’s financial position
• Prepare financial projections based on assumptions provided by the borrower and test those assumptions by conducting a sensitivity analysis
• Structure credit facilities that fulfill the financing needs of a company
• Develop a credit rationale consistent with a financial institution’s strategy
• Identify the legal aspects of banking and credit
• Analyze factors that may impact the ability to repay debt obligations and learn to document the findings in a written credit analysis memorandum
• Develop and practice problem-solving, critical thinking, collaboration, communication, and creativity
• Assess inherent risks and understand various risk management strategies

Junior and middle management in the financial sector (banks, non-banking financial institutions, leasing, insurance, mortgage, factoring).

A. Core Courses

Accounting (33 hrs)

This module provides an introduction to the field of accounting. Participants will learn basic and advanced accounting principles, details of the accounting cycle, and the building blocks of financial statements. The module is designed for a highly interactive learning experience, and upon its conclusion, participants will be able to properly record financial transactions, prepare financial statements, and assess the impact of financial transactions on a company’s financial standing.

Industry Analysis and Economics (18 hrs)

This module provides participants with the required knowledge, templates, and practices required to analyze the external environment of different companies on three levels - economy, industry, and business. The module is designed for a highly interactive learning experience that teaches participants to develop an industry analysis for different business models and identify the different risk factors.

Financial Statement Analysis (39 hrs)

This module provides participants with the required knowledge and analytical skills to assess a corporation’s financial performance and creditworthiness. The module includes different techniques, formulas, and financial ratios, using best practices in financial analysis approaches with interactive synchronous sessions and real case studies.

Cash Flow Mechanics (12 hrs)

This module contains technical content in the form of quantitative, financial formulas, and ratios that provide participants with a foundation in cash flow mechanics, related formats, and basic tools to formulate the cash flow statement. The module describes and practices the required analysis and ratios to properly assess a corporation’s cash flow and funding capacities.

Projection Mechanics (18 hrs)

This module includes a practical component on financial formulas and scenario analysis in order for participants to gain a foundation in forecasting mechanics, related formats, and analysis. Participants will learn the basic tools to formulate and assess a corporation’s creditworthiness, debt capacity, future cash flow, and financial KPIs.

Lending Rationale (18 hrs)

This module is designed to provide participants with the knowledge and expertise necessary to articulate proper lending approaches for different business models according to a corporation’s operating and investment needs

Trade Finance (9 hrs)

This module presents participants with the fundamental knowledge required to develop a credit facility for trade finance. It provides the commonly used tools for trade finance, in both domestic and international trade transactions. The module content helps participants facilitate the bank borrowers’ business transactions according to their business needs.

Credit Structure (18 hrs)

This module provides participants with the required knowledge and practices to develop different credit lending products. The module describes the role of the lending officer, credit evaluation, and the structuring of credit facilities and loan agreements including common practices of financial and non-financial loan covenants.

Legal Aspects in Credit (6 hrs)

This module provides participants with an in-depth look into the related legal aspects, legal instruments, and documents for a credit business in order to safeguard the bankside and legally guarantee the repayment of loans.

Risk Management (12 hrs)

This module explains the different risk management concepts with a focus on the various inherent risks in the credit process and the lender's strategies. Participants will use real-life scenarios and cases to mitigate and control the various discussed risks.

Writing a Credit Proposal (12 hrs)

This module includes simulations that enable participants to acquire the skills to develop a full credit proposal based on their learnings from previous courses. The module facilitates a real-life case study for participants to experience and understand the linkage between all credit assessment processes.

B. Business Acumen (Self-study Online) - One course

Effectively operating within a business setting and making a positive impact requires a certain set of skills and competencies. Explore critical 21st-century skills needed for today’s business world, enabling passion and speed in dealing with different business situations.

For the most updated list of Business Acumen courses, click here.

Nominate team members to join a highly engaging learning environment in our open enrollment programs that will help them transform themselves and gain the needed skill-set to lead your organization towards success. 

Submit a corporate inquiry

Admission Criteria

• Bachelor’s degree
• Proficiency in written and spoken English
• A minimum 2 years of relevant work experience in the financial sector

Admission Process

1. Prepare a clear scanned copy of the following documents (saved in PDF format):
   1. Original bachelor’s degree certificate
   2. National identification card (ID)/passport
2. Fill in the application and upload the above PDF documents
3. The Admissions Committee will review your application and contact you if needed
4. You will receive an acceptance email specifying the next steps for online payment. Your registration is confirmed upon payment

For inquiries, call 15592, or by email.