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INTRODUCTION TO CONSUMER CREDIT
 
     
  Summary Description  
  This general consumer credit workshop provides the basic tools to effectively acquire and manage risk across a range of products and services within consumer banking. The workshop stresses the interconnection between various phases of the credit cycle, touching upon aspects of credit initiation through to portfolio management, collections and recovery.  
     
  Methodology  
  Presentations, case studies, group work and classroom discussion. It can be tailored to emphasize different businesses or aspects of the risk cycle  
     
  Target Audience  
  Risk management analysts and officers with experience ranging from beginners to no more than 4 years of experience in job  
     
  Main Topics  
 
Alternative systems for credit approval
- Credit scoring: derivation and usage
- Behavior scoring and its applications
- Decision tree models: dealing with "gray area" credits
- Monitoring and validation
- Back testing and stress testing
Credit cycle
- Business strategy, product development and planning
- Credit initiation
- Portfolio management
- Collections and recovery
- Policies and procedures and workflow process
Guarantees and collateral: valuation and recovery of guarantees
  (VPCE) Methodology
  Portfolio monitoring
- Concentration and segmentation
- Key reports and data analysis
- Planning
- Loss provisioning
Business strategy within the economic environment
- Risk and reward
- Products
- Economies of scale
- Information technology: usage and limitations
- Analytical methods for defining target markets
- Pre-selected and pre-approved credits
Building fraud awareness
- Recognizing high risk products and processes
- Applications process controls
- Fraud mitigation techniques
 
       
 
  Duration  
  5 days  
     
   
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