University College Dublin
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.
University College Dublin
Designed by industry, for industry
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.
(NFQ Level 8, 10 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.
The end to end credit process.
Overview of the canons of lending.
Credit application process.
Risk weighted assets.
Basel II & Basel III, Basel IV.
Minimum Regulatory Requirements.
Introduction to credit models.
Impairments and capital.
Pricing for risk.
Key Lessons from Irish banking crises, Honohan Report, Regling & Watson, Nyberg.
(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.
(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.
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.
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.
You must be a current member of IOB, or become a member, to undertake this programme.
"It's given me confidence to go on and apply for roles within my organisation"
IOB courses provide meaningful credentials that demonstrate ongoing dedication to professional development. The courses, learning site, materials, lecturers and fellow participants allow you to build your support structure and extend your network.
I have been a member of the IOB for many years…I recommend that every person working in the financial services industry in Ireland should join IOB as it will help you to grow and develop your career in banking.
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