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Trimester start date
10 February 2020
Exam Dates
Principles of Corporate Credit Risk
11 January 9am
Corporate Credit Risk Assessment
16 May 9am
Corporate Banking Risk Management Products
19 September 12pm
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Key Dates
Trimester start date
10 February 2020
Exam Dates
Principles of Corporate Credit Risk
11 January 9am
Corporate Credit Risk Assessment
16 May 9am
Corporate Banking Risk Management Products
19 September 12pm
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University College Dublin
Corporate Banking Credit
CreditAwarding body
University College DublinProgramme Fees:
Please see details tab for more information.
Who is this programme for?
The Professional Diploma in Corporate Banking Credit is a specialist programme for people working or seeking to work in corporate banking and who provide services to large, privately owned and publicly quoted companies including property lending to property developers and investors.
The programme was designed in conjunction with corporate banking professionals working in Irish corporate banking and is the benchmark qualification for corporate banking in Ireland.
The programme is a very important building block in developing the specialist knowledge and lending skills of people working in corporate banking and other professional advisors who work with corporate entities.
This programme is designed to meet the needs of:
Graduates of the Professional Diploma in SME Credit who are moving into corporate banking roles.
Corporate banking relationship managers and their lending portfolio support staff.
Corporate banking staff who are working in property-based corporate lending.
Corporate and SME Credit underwriters.
Loan administration and credit policy officers.
Credit review staff who are responsible for ensuring that lending and credit delivery standards are complied with.
Internal audit staff who assess whether the credit management standards are fit for purpose and are being complied with.
Credit portfolio managers who are responsible for identifying and managing excessive credit concentrations in the loan book, forecasting loan losses and estimating impairment provisions.
Accountants, lawyers and other professionals who provide corporate banking advisory services.
How will you benefit
This specialist programme has been designed to enable participants to:
Understand the components of the credit risk management framework, including credit risk appetite statements and how it links to the profit and loss, balance sheet and the customer.
Understand the regulation of published financial accounts.
Credit assess the credit worthiness of corporate borrowers - both trading and property borrowers.
Assess corporate strategy, industry, economic and management team risk.
Conduct corporate financial statement analysis including financial ratios, financial projection sensitivity analysis, preparation of cashflow statements and working capital analysis.
Calculate and analyse repayment capacity.
Evaluate the commercial viability and sustainability of a corporate borrower business plan and the management team’s ability to deliver the plan.
Structure corporate lending transactions in a manner which meets the needs of the corporate borrower and complies with credit policies.
Describe a structured approach to analyse property credit risk.
Understand the key components of credit risk relating to property transactions.
Understand the key components of security documentation relating to property transactions.
Understand the key market indicators which highlight early warning signals in property transactions.
Understand the different types of corporate security.
Explain covenants and conditions precedent.
Explain the key components of term sheets.
Understand the different types of debt instruments which can be used when structuring a corporate lending transaction.
Understand the role of external credit agencies.
Understand ethics in Banking.
Describe and explain the different interest rate risk hedging, currency risk hedging and international trade products and services which can be offered corporate customers.
Continuous Professional Development
If you hold an Institute designation or a designation managed by the Institute CPD hours may be awarded on successful completion of this programme.
Delivery
Practical workshops and e-learning.
Programme Duration
Participants can register and complete all modules within one trimester where offered. However we would recommend that participants study the programme over at least two trimesters.
Assessment
For the module Principles of Corporate Credit Risk:
Combination of MCQ continuous assessment and end of trimester examination
Exam duration: 120 minutes
For the module Corporate Credit Risk Assessment:
End of trimester examination
Exam duration: 120 minutes
For the module Corporate Banking Risk Management Products:
End of trimester examination
Exam duration: 120 mins
The pass mark is 40% in all modules in line with UCD academic policy.
Fees
Principles of Corporate Credit Risk: €495
Corporate Credit Risk Assessment: €595
Corporate Banking Risk Management Products: €495
Contact us
Deirdre Hendrick - Programme Manager
Commencement Date:
February 2020
Closing Date:
Monday, 20 January 2020
Entry Requirements
a) Individuals seeking admission to the Professional Certificate in Corporate Banking Credit will have 3 years’ experience (full time) in a relevant banking role and completed the Professional Diploma in Financial Advice or equivalent 30 ECTS Level 7 programme.
b) Individuals who possess an honours degree (Min. Hons 2.2, Level 8 NFQ).
c) Admission will also be considered from experienced professionals who do not meet the minimum admission requirements as set out above, who can demonstrate learning based on work and training experience e.g. Individuals employed in a Corporate credit role with responsibility for Credit decisions in Financial Services
Professional Body Membership
You must be a current member of the Institute or become a member, to undertake this programme. Membership is currently €40 per calendar year.
Modules and learning outcomes
01 Principles of Corporate Credit Risk (NFQ Level 8, 5 ECTS)
Key categories of risks to which banks are exposed with focus on credit risk. Basel principles for the management of credit risk. Bank risk appetite frameworks. Components of the credit risk management framework. Credit portfolio management and credit concentration risk. Credit risk appetite statements. Credit culture. The end to end credit process. Overview of the canons of lending. Credit application process. Bank capital. Risk weighted assets. Basel II & Basel III, Basel IV. Minimum Regulatory Requirements. Introduction to credit models. Impairment provisioning. Stress testing. Impairments and capital. Pricing for risk. Key Lessons from Irish banking crises, Honohan Report, Regling & Watson, Nyberg.
02 Corporate Credit Risk Assessment (NFQ Level 8, 10 ECTS)
Objectives and challenges of corporate credit. Relationship banking, ethics, compliance. Corporate strategy including industry, economic and management team risk assessment. Credit assessment including assessment of corporate property lending transactions. Structuring credit transactions. Debt instruments and use when structuring a transaction. Term sheets and loan administration. Different techniques for valuing a company. Role of external credit ratings, analysis in corporate credit analysis and structuring. Regulation of published accounts. Primary statements in financial reporting. Analysing financial information from a corporate bankers perspective including consolidated income statement, statement of financial position and cash flow. Risks from the manipulation of accounts. Calculating and analysing repayment capacity. Preparation of cash flow statements. Understanding working capital analysis. Conducting a financial projections sensitivity analysis. Different types of corporate security and legal issues affecting security. Setting covenants and stress testing financial covenants. Monitoring and control framework.
03 Corporate Banking Risk Management Products (NFQ Level 8, 5 ECTS)
Foreign Exchange Risk Management Strategies and Products. Interest Rate Risk Management Strategies and Products. Treasury Investment Services. Money Markets Instruments. Capital Markets Regulation including EDIR and MIFID. Understanding Marketable Securities. Centralised Cash Pooling and Zero-Balancing options for international companies. Single Euro Payments Area (SEPA). Correspondent Banking & Settlement of International Transactions. Foreign Currency and International Payment Accounts. International Electronic Payments Services. Risks associated with International Trade. The role of Banks in relation to International Trade. Export Finance Facilities. Documentary credits and collection. Bills of Exchange. Invoice Finance. Debtors ledgers and invoice finance. Medium and Long Term Export Finance. Export Credit Insurance (ECI). Types of Asset Finance. Leasing and Hire Purchase. Bank agreements relating to International products and services.