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Introduction to Consumer Credit

Develop the tools necessary to effectively acquire and manage risk across a range of products and services within consumer banking.

Description

We will stress the interconnection between various phases of the credit cycle, touching upon aspects of credit initiation through to portfolio management, collections and recovery.

Topics covered include:

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

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

Available Languages

English, Portuguese, Spanish

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