الخلفية:
Credit Risk Management has undoubtedly become one of the most crucial disciplines for any Bank to master. A comprehensive understanding will result in increased profitability and shareholder value. In addition, the ever increasing need to comply with complex regulatory requirements and the current uncertainty resulting from the pandemic among other crises, highlight the call for Banks to better perform at recognizing and managing their Credit Risks. Moreover, subsequent prudential and regulatory responses that followed the crisis entirely renewed the way in which the Risk Management framework is run.
Credit Risk refers to the default risk of not getting back the debt lent to borrowers in different circumstances. Since the risk is high, many Banks have designed Credit Risk policies for management of loans and borrowings. In a nutshell, it is the process of mitigating losses which are expected by the Banks in the near future in cases of credit failure.
Over the years, Banks and regulatory authorities all over the world have realized the vital significance of a good Credit Risk Management system and policy framework. This is partly due to the various crises that have risen over time. Some of its most important criteria are:
• The ability to forecast issues and prepare for uncertain times
• The system can be used for measuring the lending limits, tolerance and appetite
• It gives a valuable alternative for transferring credit, pricing and hedging options
The present training program provides the perfect balance between theory and practice, focusing on all the key steps involved in the development and practical implementation of a Credit Risk Management framework, drawing from International Best Practices and aiming for smooth implementation.
LEARNING OUTCOMES:
• Gain a solid grounding in credit risk fundamentals with the tools and techniques required to perform credit analysis, utilizing analytical tools to project future performance;
• Get familiarized with concepts, techniques and principles of credit risk management;
• Understand the relationship between qualitative and quantitative aspects of credit analysis;
• Gauge company performance using ratio analysis;
• Appreciate the importance of the credit cycle;
• Understand what best practice credit risk management looks like;
• Understand the current regulatory framework in the area;
• Have a better understanding of the current state of the credit markets;
• Provide management with risk related information vital for decision making.
