Express an interest

If you are interested & require further information, we will email you a copy of the programme brochure.

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Data Protection Notice

About this data protection notice

This is a statement of the practices of The Institute of Bankers in Ireland, 1 North Wall Quay, North Dock, Dublin 1 (trading as IOB) (‘the Institute’, ‘we’, ‘us’, ‘our’) in connection with the capture of personal data on this webform and the steps taken by the Institute to respect your privacy.

The Institute is a Data Controller and is committed to protecting your rights and any personal information which you provide to the Institute will be treated with the highest standards of security and confidentiality, in accordance with Irish and European Data Protection legislation.

The privacy notice explains the following:
  • What information do we collect about you?
  • The purpose for collecting your personal data
  • The legal bases for collecting your personal data
  • Are you required to provide the information?
  • How we store and secure personal data?
  • Details of third parties with whom we share personal data
  • What are your rights?
What information do we collect about you?

The data we collect from you will be used by the Institute only in accordance with the purposes outlined in this privacy notice. We will collect your data via webform on www.iob.ie.

The data collected in this webform will be shared with the following areas of the Institute:

  • Programme Management Department
  • Marketing Department
  • Lifelong Learning Department
The purpose for collecting your data

The data we collect about you will be used for:

  • providing information on the programme(s) for which you have completed an expression of interest webform;
  • notifying you of promotional events related to this designation(s) or programme(s) e.g. Programme Taster Lectures, IOB Open Evening; and
  • advising you of upcoming application and registration closing dates for this designation(s) or programme(s)
The legal basis for collecting your data

For the purposes outlined in this privacy notice your personal data will be processed on the basis of Explicit Consent.

By submitting this webform, you confirm that you are providing your informed consent to the processing of your data as outlined here.

Are you required to provide the information?

We require you to complete the mandatory fields identified in this webform for the purposes outlined above. If you do not provide us with the information required in these fields, we may be unable to process this Expression of Interest form.

How we store and secure your data

Any data we collect from you will be stored confidentially and securely. The Institute is committed to ensuring all accesses to, uses of, and processing of Institute data is performed in a secure manner.

In keeping with the data protection principles, we will only store your data for as long as is necessary to provide our services to you and for such a period of time after this as is necessary to comply with our obligations under applicable law and, if relevant, to deal with any claim or dispute that may arise in connection with our relationship with you.

For the purposes described here we will store your data for one calendar year from the date you submit the webform. Before the end of this calendar year, we may contact you to ask if you wish to re-confirm your consent to the storing and processing of your data for the purposes outlined above.

When we store your personal data on our systems the data will be stored on the Institute’s secure I.T. platforms within the EEA which are also subject to European data protection requirements.

Details of third parties with whom we share personal data

The Institute will share your data with third parties where necessary for purposes of the processing outlined here.

We will share your information with our service providers (e.g. printers, I.T. support, auditors, legal advisors, and other professional advisors).

We may also disclose your information where required by law to do so.

Your information will not be shared with any other third parties.

When we share your data with the third parties outlined here the Institute will ensure that the data is only processed according to our specific instructions and that the same standards of confidentiality and security are maintained. Once the processing of the data is complete any third parties with whom data was shared will be required to return the data to the Institute save where they are required to retain it by law.

What are your rights?

You have the following rights, in certain circumstances and subject to applicable exemptions:

  • You are entitled to ask for a copy of the personal data, which IOB holds about you.
  • The right to have any inaccuracies in your personal data amended.
  • The right to object to the processing of your personal data.
  • The right to have the personal data that we hold about you erased.
  • The right to restrict the processing of your personal data.
  • The right to receive your personal data, which you provided to us, in a structured, commonly used and machine-readable format or to require us to transmit that data to another controller.
  • You have the right to withdraw your consent at any time.
Contact

If you have any queries relating to the processing of your personal data for the purposes outlined above or you wish to make a request in relation to your rights, you can contact the Institute’s Data Protection Officer using the contact details below.

If you are unhappy with the way in which your personal data has been processed, you may in the first instance contact the Institute’s Data Protection Officer using the contact details below.

IOB has a Data Protection Officer who can be contacted through [email protected] or by writing to:

The Data Protection Officer, IOB, IFSC, 1 North Wall Quay, Dublin 1.

If you remain dissatisfied then you have the right to apply directly to the Data Protection Commission for a decision. The Data Protection Commission can be contacted at:

Data Protection Commission
Canal House
Station Road
Portarlington
R32 AP23 Co. Laois
www.dataprotection.ie

The Institute of Bankers in Ireland (a company limited by guarantee) trading as IOB

Registered Number: 197171
Registered Charitable Organisation
Charity Registration Number: 20026950
CHY Number: 10530

P: +353 (0)1 6116500
F: +353 (0)1 6116565
E: [email protected]

Privacy Statement
Terms and conditions

Before you continue...

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Professional Diploma

SME Credit

Apply now to commence studies in June 2024
Apply now
Express an interest
  • Duration
  • 2- 3 trimesters
  • Programme
  • 3 modules
  • Study
  • Online
  • Fees
  • From €625 p/module
  • Level
  • NFQ 8, 30 ECTS
  • At a glance

    This programme is designed to provide students with core credit analytical skills while enabling them to specialise in trading, property, agri and distressed credit.

    Awarding Body

    University College Dublin

    Outcomes

    The programme will equip participants with an analytical framework for identifying and conducting the credit risk assessment.

    Download brochure

    Who is this programme for?

    This programme is designed to provide students with core credit analytical skills while enabling them to specialise in trading, property, agri and distressed credit. It is designed to meet the needs of:

    • SME relationship managers and their lending portfolio support staff

    • SME Property specialists

    • SME Agri specialists

    • Credit underwriters

    • Loan administration and credit policy officers

    • Accountants, lawyers and other professionals who provide SME advisory services

    • 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 provisions

    • Marketing staff who design and promote credit products

    • Financial control staff with responsibility for budget setting, capital allocation, financial performance evaluation and financial/regulatory reporting.

    How you will benefit

    The programme is a specialist education programme that offers a unique, independent, university-level qualification.

    The programme will equip participants with an analytical framework for identifying and conducting the credit risk assessment of:

    • Viable and sustainable trading, property, and agri SME businesses focusing on the principal SME exposure sectors of the banks

    • Fundamentally viable trading SME businesses burdened with an overhang of property-related debt that is non-core to the business.

    It will also:

    • Introduce the structuring options which are specific to the case studies

    • Enhance the skills of relationship managers and credit analysts in managing credit risks to help mitigate potential loan losses

    • Support the banks’ strategic plans for addressing their SME distressed businesses.

    CPD

    If you are a QFA, CPD member, LCI or Chartered Banker, you may be awarded formal CPD hours when you successfully complete this qualification.

    Delivery

    These modules are delivered via blended learning with online webinars supplemented by two online half day practical workshops for each module.

    Assessment

    End of trimester examinations.

    Award

    When you successfully complete this programme you will be awarded a Professional Diploma in SME Credit from UCD.

    This is a level 8 qualification on the National Framework of Qualifications.

    Fees

    • Principles and Practices of Credit Risk Management €625

    • SME Credit Risk Assessment €625

    • SME Financing and Distressed Credit Analysis €625

    Next intake

    Summer Trimester

    Closing date

    24 May 2024

    Contact us

    Modules and learning outcomes


    Principles and Practices of Credit Risk Management

    (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.

    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.

    SME Credit Risk Assessment

    (NFQ Level 8, 10 ECTS) 

    • Objectives and challenges of SME lending

    • Characteristics of business entities

    • The canons of lending

    • Business strategy, Industry, Economic and Management team risk assessment

    • Characteristics of the different SME sectors

    • Primary Statements in financial reporting

    • Analysing financial information - P&L, balance sheet and cash flows

    • Calculating and analysing repayment capacity

    • Preparation of cash flow statements

    • Understanding working capital analysis

    • Conducting a financial projections sensitivity analysis

    • Different types of security and legal issues affecting security

    • Explaining covenants and conditions precedent.

    SME Financing and Distressed Credit Analysis

    (NFQ Level 8, 10 ECTS)

    • Traditional banking facilities for SME borrowers

    • Alternative sources of finance for SMEs

    • Start-up business lending

    • Agricultural lending

    • Property lending

    • Conducting the borrower loan interview

    • Writing the credit application

    • Negotiating final terms and conditions

    • Legal documentation and drawdown

    • Procedures for deciding on impairment provisions

    • Monitoring and control framework

    • Identifying and reviewing a potentially distressed customer

    • Negotiating with customers in difficulty

    • Managing arrears and restructuring

    • Cancelling facilities, collections and recoveries

    • Loan restructuring options

    • Importance of the facility letter in impairment cases

    • Legal remedies for recovery.

    Key Dates

    Level 7 and 8 Key Dates 2023/24

    Examination schedule 2023/2024


    Next intake

    Summer Trimester

    Closing date

    24 May 2024

    Entry Requirements

    Individuals seeking admission to the Professional Diploma in SME Credit will:

    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 Special Purpose Award/s at Level 7, or

    b) have an Honours degree (min. H2.2, Level 8 NFQ), or

    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.


    Professional Body Membership

    You must be a current member of IOB, or become a member, to undertake this programme.

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