Programme Overview

Shape the Risk Profile of Your Organisation

Credit risk management has remained prominent due to ongoing global economic crises, digitalisation, recent technological advancements, and the growing use of artificial intelligence in banking. For this reason, professionals in lending and credit institutions continue to be crucial in determining the risk profile of their respective organisations in today’s ever-evolving financial services sector. As a result, they must stay up to date on the most recent developments in contemporary credit analysis as the risk landscape is constantly shifting. They must constantly learn new skills and gain a thorough understanding of all facets of managing a successful credit package if they want to stay ahead of the curve. To develop these skills, actively comply with ever-changing regulatory requirements and to better manage risk, the Banking Credit and Risk Management Certificate curriculum delves deeply into the best practices for credit analysis today including how to use the most up-to-date assessment instruments, create thorough credit analysis reports, and oversee loans or loan portfolios. Considering the different types of risks that result from the nature of banking, the trends that are influencing new risks, and the implications of these for the future of banking risk management, the Banking Credit and Risk Management Certificate is designed to enhance your knowledge and abilities in banking credit and risk management in the digital age. You will develop the capacity to anticipate future events, identify and control risk within the parameters of your job roles, and take a comprehensive approach to risk across your institution. This programme will help you learn how to establish a risk culture that supports the bank’s strategy and values and ensures that decisions are made in line with the bank’s risk appetite.

The Banking Credit and Risk Management Certificate facilitates the identification and management of credit risk among public and private entities in global markets. Key competencies will be covered including recognising and addressing credit issues, assessing borrowers using financial ratios, and determining the quality and strength of cash flows. Through interactive technology-driven learning exercises delivered by financial industry experts, you will acquire the skills required to maintain excellent loan quality and develop a credit justification consistent with your organisation’s overall lending strategy. On completion of this programme, you will have a greater understanding of the credit lifecycle, the key modeling techniques for credit risk measurement, and you will be better prepared to implement meaningful risk assessments.

Programme Objectives

This programme will allow you to:

• Explain the fundamental principles of credit risk.
• Identify inherent risks in the lending business as well as their related mitigants.
• Evaluate different of methods of credit risk assessment and modelling.
• Assess different types of credit risk management strategies.
• Prepare a qualitative risk analysis for an organisation as the basis for financial analysis and risk decisions.
• Manage a credit portfolio risk in a banking institution.
• Analyse financial statements.
• Perform cash flow analyses to assess an organisation’s financial standing.
• Prepare financial projections based on a borrowers’ information.
• Calculate a borrower’s risk rating based on their historical financial background.
• Recommend suitable lending structures based on a client’s needs.
• Create a credit rationale in alignment with a financial organisation’s lending strategy.
• Identify the legal components involved in banking and credit.
• Apply credit risk management tools to assess creditworthiness in real-world scenarios.
• Explain the key financial ratios used to analyse credit risk.
• Assess the measures that banks can put in place to manage credit risk and the financial ratios used.