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CERTIFIED CREDIT PROFESSIONAL

Certified Credit Professionals will be capable of analyzing a variety of credit proposals and making sound credit decisions. The programme will develop confidence in participants and enable them to build stronger customer relationships for the mutual benefit of the client and the financial institution. It also allows individual employees to earn a career-based diploma that recognizes their aptitude and professional competence in making credit decisions.

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This Internationally Accredited programme will cover six modules of intensive training via the Zoom Learning Platform. Highly experienced, local, and international financial experts will deliver the materials with real-world case studies.

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  • Retail Credit-Financing Personal Credit  and Small / Medium Sized Enterprise

  • Accounting Skills

  • Micro Finance and Credit Risk Grading

  • Corporate Lending

  • Agriculture & Fisheries Lending

  • Managing Problems Loans

 

This programme addresses the urgent training demands of the financial services sector to keep current with the global financial climate.

 

Assessment
Candidates in this programme will be certified after completing a 2,000-word assignment and a 1 and 1/2 hour multiple-choice exam. The candidate will then be a Certificate Credit Professional (CCP).

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Program Prerequisites:

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  • Candidates must have knowledge in accounting, college mathematics, economics, banking & finance, and computer skills.

  • Candidates must have a minimum of a college degree and/or 10 years plus job experience in financial services.

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Tuition: $3,700 plus $50 registration fee. Payment plans available | Duration: 6 months | Learning Platform: ZOOM

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INTERNATIONAL ACCREDITATION FROM CHARTERED BANKER INSTITUTE AND BANGOR UNIVERSITY

The Chartered Banker Institute is a global professional education body for bankers, based in the UK.  Established by Royal Charter, we are a not-for-profit educational charity with a mission to enhance and sustain socially purposeful, responsible, professional banking in the public interest.  We do this by developing and supporting bankers’ education and professional development throughout their careers -

Learn more >

Module I

Retail Credit-Financing Personal Credit And The Small / Medium-Sized Enterprise

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  • Tools and techniques for the analysis/monitoring and control of Personal lending

  • The economic setting and importance of the SME sector

  • Forming a holistic view of a business, its setting, prospects, strengths and weaknesses, and the opportunities available to a financier to assist in a mutually beneficial and profitable manner

  • Appreciation of the correlation between the risks associated with a lending proposal and a fair level of compensation by way of margin and fees

  • Understanding of and proficiency in the use of the latest tools and techniques available to bankers conducting analysis and due diligence

  • Closing the knowledge gap - management accounts and access to other financial and commercial information

 

Module II

Accounting Skills

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  • Apply accounting principles and procedures to a service, merchandising or manufacturing concern of a partnership or corporation.

  • Analyse the various financial statements through horizontal, vertical and trend analyses, liquidity, profitability and long-term solvency ratios and other managerial accounting tools such as variable costing and incremental analysis.

  • Account for the change in financial position through the preparation of a cash flow statement by the direct and indirect methods.

  • Understand the purpose and need for budgeting, and prepare schedules leading to the production of a master budget.

  • Prepare and interpret the various techniques used in capital budgeting

 

Module III

Micro Finance and Credit Risk Grading

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  • Evaluating the business plan

  • Utilizing lending tools and techniques

  • Developing a micro finance risk rating framework

  • Forecasting income and cashflows

  • Maximizing use of scarce capital resources

  • Credit risk rating systems and use

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Module IV

Corporate Lending

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  • Enhance the understanding of evaluating corporate performance and strategy

  • Develop the advanced cash flow analysis skills covering the effective utilization of both working and fixed capital

  • Understand the various models for analyzing capital investment projects and payback issues

  • Utilize risk evaluation in a Venture capital deal

  • Evaluate the major qualitative and quantitative risks; payback issues and cash flow coverage ratios in Project Finance

  • Examine participation in a syndicated loan facility; develop techniques to mitigate risk through lending covenants and reviewed other debt-related product

  • Using the 'PC' to explore sensitivity to growth and profitability; using a financial model for forecasting purposes; computerized forecasting of cash requirements and cash-generating ability.

  • Hands On' Project Work-The course components are welded together in practical experience on a group project

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Module V

Agri & Fisheries Lending

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  • Developing an Agri risk rating checklist

  • Developing a fisheries risk rating checklist

  • Using gross margin systems for management analysis

  • The business plan and enterprise performance evaluation

  • Forecasting incomes and cash flows

 

Module VI

Problem Loans

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  • Review the best-known models for predicting corporate failure and how to deal with corporate(s) in distress

  • Understand Workout Analysis looking at timescales for Action; Industry competition and prospects; capabilities to pursue alternatives and the company position.

  • Quantifying the risk position

  • Identifying and handling problem loan customers

  • Difficult interviews and business site visit

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