The course "Credit Management in the Banking System" is one of the most essential training programs for professionals in this field. It is designed to enhance the skills and knowledge of bank managers and experts in the areas of credit management, customer credit evaluation, and credit risk assessment. Below are key elements covered in this course:
1. Basic Concepts of Credit Management:
- Teaching the fundamental concepts and principles of credit management, including definitions, objectives, and the importance of effective credit management in banks.
2. Loan Disbursement Process:
- A thorough review of the various stages of the loan disbursement process, from the customer’s loan application to approval and payment, including the assessment of financial needs and repayment plans.
3. Credit Risk Assessment:
- Training on methods for identifying and assessing credit risks associated with loans and bank credit facilities, including the use of predictive models and risk measurement tools.
4. Credit Policies and Regulations:
- Familiarization with internal and external policies, guidelines, and regulations related to credit disbursement and risk management in banks, ensuring compliance and risk mitigation.
5. Customer Credit Scoring:
- Introduction to various credit scoring methods and techniques, including the use of credit reports and financial and historical analysis of customers' creditworthiness.
6. Monitoring and Managing Non-Performing Loans:
- Training on strategies for monitoring and managing non-performing loans (NPLs) and overdue payments, aimed at reducing credit risks and improving the bank’s performance.
7. Use of Information Technology:
- Exploring the role of IT in credit management, including credit information management systems and related software that enhance efficiency and decision-making in credit operations.
8. Professional Ethics in Credit Management:
- Emphasis on ethical principles and professional standards in credit decision-making, ensuring fairness and transparency in interactions with customers.
9. Case Studies:
- Analysis of real-world cases and case studies in credit management to better understand challenges and explore possible solutions.
10. Continuous Learning and Skill Development:
- Highlighting the importance of continuously updating knowledge and skills in credit management through training programs, workshops, and specialized conferences.
This course aims to strengthen the capabilities of banking professionals in effectively managing financial resources and mitigating credit risks, ultimately improving the efficiency and sustainability of the banking system.