“Don’t focus on derivatives. One of the most dangerous activities of banking is lending.”
Ernest Patakis, Federal Reserve Bank of New York.
Credit Risk Review +
Comprehensive review of current leading edge practices, methods and policies in credit risk.
1.a. Credit Analysis
Credit Analysis of individuals, financial institutions and firms
Five C’s of credit and laws of credit
Overview of financial Statements
Balance Sheet
Income and Equity statements
Cash flow statement
Financial analysis and performance assessment
+Templates
Credit Analysis for different types of entities
+Templates
1. b. Business Plan based Funding Needs
Planning process:
Industry, firm, product analysis
Forecasts
Market analysis
Modelling business
Completing financial statements
Reviewing funding gap
Planning under simulation framework
Fully template based review
2.Wholesale Credit Risk Management
Credit approval process:
Segmentation
Review process
Exposure assessment
Rating
Offer and Documentation
Evaluating accounting risk and mitigants
Monitoring for early warning signs
Servicing troubled loans
Developing of remedial action plans
Developing financial restructurings
Analysis of Risk and Reward
+Templates
Credit Risk Management Process:
Risk Capacity
Risk Strategy
Capital Allocation
Limits
Controlling risk
Managing Portfolio
Risk analysis & reporting
+Templates
Credit Risk Organisation Structure:
Functions
Risk Committees
Risk Management structure
Credit Risk Portfolio Models:
Risk adjusted Performance
Pricing Loans
Regulatory Capital
Credit Risk Management practices in the future
+Templates
3. Retail Credit Risk Management
Introduction:
Marketing
Credit Risk Management
Operational Management of Credit
Portfolio analysis for consumer products
Management & Organisation
Litigation, Regulations & Compliance Perspectives
4.Credit Scoring and Response Modeling
Objectives in using scoring:
History of credit data
Overview of credit scoring
Overview of credit risk
Review of statistics & mathematics for scoring
Development and management of credit scoring :
Regulatory environment
+Templates
Details on request
Credit Analysis of individuals, financial institutions and firms
Five C’s of credit and laws of credit
Overview of financial Statements
Balance Sheet
Income and Equity statements
Cash flow statement
Financial analysis and performance assessment
+Templates
Credit Analysis for different types of entities
+Templates
1. b. Business Plan based Funding Needs
Planning process:
Industry, firm, product analysis
Forecasts
Market analysis
Modelling business
Completing financial statements
Reviewing funding gap
Planning under simulation framework
Fully template based review
2.Wholesale Credit Risk Management
Credit approval process:
Segmentation
Review process
Exposure assessment
Rating
Offer and Documentation
Evaluating accounting risk and mitigants
Monitoring for early warning signs
Servicing troubled loans
Developing of remedial action plans
Developing financial restructurings
Analysis of Risk and Reward
+Templates
Credit Risk Management Process:
Risk Capacity
Risk Strategy
Capital Allocation
Limits
Controlling risk
Managing Portfolio
Risk analysis & reporting
+Templates
Credit Risk Organisation Structure:
Functions
Risk Committees
Risk Management structure
Credit Risk Portfolio Models:
Risk adjusted Performance
Pricing Loans
Regulatory Capital
Credit Risk Management practices in the future
+Templates
3. Retail Credit Risk Management
Introduction:
Marketing
Credit Risk Management
Operational Management of Credit
Portfolio analysis for consumer products
Management & Organisation
Litigation, Regulations & Compliance Perspectives
4.Credit Scoring and Response Modeling
Objectives in using scoring:
History of credit data
Overview of credit scoring
Overview of credit risk
Review of statistics & mathematics for scoring
Development and management of credit scoring :
Regulatory environment
+Templates
Details on request