Certified Credit Risk Management Professional

Course Code: FNBN1351

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Course Sector:

Finance, Accounting and Banking

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Introduction

Training course introducion / brief

The Certified Credit Risk Management Professional program is a comprehensive four-day course designed to provide participants with an in-depth understanding of credit risk management. This course covers core principles, advanced topics, and practical applications of credit risk analysis, modelling, and mitigation strategies. Through a combination of lectures, case studies, and hands-on exercises, participants will gain the knowledge and skills necessary to manage credit risk effectively within financial institutions.

Understand Credit Risk: Gain a comprehensive understanding of credit risk, its types, and the factors influencing it.
Measurement and Assessment: Learn to measure credit risk using various models and assessment tools.
Mitigation Strategies: Explore strategies for mitigating credit risk, including collateralization, credit derivatives, and credit insurance.
Regulatory Compliance: Understand the regulatory landscape, including Basel III, and its implications for credit risk management.
Advanced Modeling: Develop skills in advanced credit risk modeling and portfolio management.
Operational and Integrated Risk Management: Learn about operational risk and how to integrate risk management frameworks within financial institutions.
Practical Application: Apply the concepts learned through real-world case studies and practical exercises.

Credit Risk Managers and Analysts
Financial Analysts and Portfolio Managers
Risk Management Professionals
Banking and Financial Services Professionals
Regulatory Compliance Officers
Finance and Accounting Professionals
Internal Auditors
Anyone involved in or interested in credit risk management

Core Principles of Credit Risk Management

Introduction to Credit Risk Management: Definition, importance, and scope of credit risk in financial institutions.
Understanding Credit Risk: Types of credit risk, factors influencing credit risk, and credit risk assessment methods.
Credit Risk Measurement: Credit scoring models, credit ratings, and credit risk metrics.
Credit Risk Mitigation Strategies: Collateralization, credit derivatives, and credit insurance.
Regulatory Landscape: Overview of regulatory frameworks such as Basel III and its implications for credit risk management.
Case Study: Analyzing credit risk exposure in a loan portfolio and devising risk management strategies.

Credit Culture and Risk Profile

How the credit crunch and its origins have affected our approach to credit risk.
Definitions of default.
Default probability recovery rates, LGD (Loss Given Default), and exposure at default.
Impact of credit risk on the bank’s balance sheet, income statement, cash flow statements, and equity prices.
Ratings agents' approach to credit risk.
Lessons to be learned from the credit crunch.

Credit Risk Analysis and Modelling, Risk Assessment

What information is required for credit risk analysis?
Credit risk assessment tools.
Customer risk assessment versus credit portfolio risk assessment.

Controlling Credit Risk, Risk Mitigation

Loan policy issues.
Strategic planning for the loan portfolio.
Loan portfolio objectives.
Structured finance, financial covenants, collateralization, syndication, limitation.
Securitization and Risk Transformation.
Techniques for moving risk off balance sheet, CDOs, and other tranche products.
Pros and cons of securitization for origination firms and investors.
The role of rating agencies.

Credit Risk on Portfolio Level vs. Single Transaction

Loss distributions and relationship to expected loss, worst credit loss, economic and regulatory capital definitions.
Computer Workshop: Spreadsheet exercises for simple portfolio credit model.
Introduction to portfolio credit risk models; CreditRisk+, CreditMetrics.
Optimizing portfolios for best risk/return.
Tail risk.

Operational and Integrated Risk Management

Understanding Operational Risk: Definition, types of operational risk, operational risk event categories.
Operational Risk Measurement: Loss distribution approach, scenario analysis.
Operational Risk Mitigation: Controls and processes, insurance, outsourcing.
Integrated Risk Management Frameworks: ERM (Enterprise Risk Management), COSO framework.
Risk Governance: Role of board and senior management in risk oversight.

Advanced Credit Risk Topics

Stress Testing and Scenario Analysis: Techniques and importance in credit risk management.
Credit Risk Transfer Mechanisms: Credit default swaps, total return swaps.
Basel III Requirements: Advanced internal ratings-based approach (AIRB), standardized approach.
Credit Portfolio Management: Techniques for managing concentration risk, industry and sector risk.
Credit Risk in Emerging Markets: Challenges and strategies.

Case Study and Practical Application

Developing an integrated risk management framework for a financial institution.
Real-world examples and best practices in credit risk management.
Group Discussion: Key takeaways and implementation strategies.
Final Q&A and Wrap-up: Addressing participant questions and providing additional resources.

Boost certificate of completion

BOOST's Professional Attendance Certificate “BPAC” is always given to the delegates after completing the training course, and depends on their attendance of the program at a rate of no less than 80%, besides their active participation and engagement during the program sessions.

ENDORSED EDUCATION PROVIDER

Flexible deadlines

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Shareable Certificate

Earn certificate upon completion

COURSE METHODOLOGY

Our Training programs are implemented by combining the participants' academic knowledge and practical practice (30% theoretical / 70% practical activities).

At The end of the training program, Participants are involved in practical workshop to show their skills in applying what they were trained for. A detailed report is submitted to each participant and the training department in the organization on the results of the participant's performance and the return on training. Our programs focus on exercises, case studies, and individual and group presentations.

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TRAINING COURSE: Certified Credit Risk Management Professional