University College Dublin
This programme is designed to equip lenders with the key credit skills to meet the personal lending market credit needs, particularly PDH mortgage lending to individual, professional and self employed borrowers and to also meet their business lending needs.
University College Dublin
Advising individuals and SMEs
It will also equip lenders to meet the lending needs of the micro SME sector who typically borrow less than €500,000.
(NFQ Level 8, 5 ECTS)
What is personal credit risk. Why is personal credit risk so important to banks, economy and society. What are the other key categories of risks that banks are exposed to. Bank Risk Appetite Framework. Credit culture. Credit Risk Appetite Statement. Basel Principles for the Management of Credit Risk with emphasis on personal lending. Components of the Credit Risk Management Framework. Personal Portfolio Credit management. The end to end credit process. The personal Credit application process. Overview of the Canons of Lending with emphasis on personal lending. Introduction to personal credit models and scorecards. The impact of Digital Banking on personal credit assessment. Overview of personal distressed credit management strategy. Pricing for personal credit risk. Bank and Regulatory capital. Risk weighted assets. Stress testing. Impairments and capital.
(NFQ Level 8, 10 ECTS)
On completion of this module, students will be expeted to be able to: Understand the Principles and challenges of Personal Lending Credit Assessment. Conduct credit assessment of Residential Mortgage/Housing loans, Personal loans, Credit cards. Conduct credit assessment of Buy to Let Mortgage Lending Credit Assessment. Conduct credit assessment of Self-Employed People (e.g. builders, doctors, solicitors etc.). Understand key Agricultural sectors ( e.g. Dairy, Beef etc). Conducting credit assessment of Micro SMEs up to c500,000. Understand Personal Lending Products (Excluding Housing Loans/ Residential Mortgage Loans). Understand Housing Loan/Residential Mortgage Loans, Negative Equity and Equity Release. Understand personal securities. Facility Letter, Covenants, Conditions Precedent, Conditions Subsequent and Drawdown. Causes of Financial Distress of Personal Borrowers. Insurances. The Customer Loan Interview. Managing the Customer Relationship. Negotiation Skills and Tactics. Introduction to the different key bank lending Products to Micro SMEs. Objectives and challenges of Micro SME lending. Characteristics of Micro SME owners. Business strategy, Industry, Economic and Management team risk assessment. Primary Statements in financial reporting. Analysing financial information - P&L, balance sheet and cash flows. Calculating and analysing repayment capacity. Interpreting cash flow statements. Understanding working capital analysis. Understanding financial projections. Different types of security and legal issues affecting security. Explaining covenants and conditions precedent. Causes of Financial Distress for Micro-SMEs.
a) have 3 years’ experience (full-time) in a relevant banking role and have completed the Professional Diploma in Financial Advice or equivalent 30 ECTS level 7 programme.
b) have an Honours degree (min. H2.2, level 8 NFQ).
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 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.
If you hold an IOB designation or a designation managed by IOB, CPD hours may be awarded on successful completion of this programme
Further information is available here.
IOB plays a key role in shaping the careers of so many in financial services today through its wide selection of relevant qualifications. I highly recommend IOB to anyone starting in the industry or for those wishing to progress their career
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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