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INTRODUCTION TO CONSUMER CREDIT
 
     
  Summary Description  
  A general consumer credit offering, this course is designed to provide the basic tools to effectively acquire and manage risk across a range of products and services within consumer banking. The course stresses the interconnection between various phases of the credit cycle, touching upon aspects of credit initiation through to portfolio management, collections and recovery. As is the case with all our courses, it can be tailored to emphasize different businesses or aspects of the risk cycle.  
     
  Target Audience  
  Credit officers, marketing executives, general management, collections and recovery personnel.  
     
  Main Topics  
 
 The credit cycle – overview
  - Business strategy, product development and planning
  - Credit initiation
  - Portfolio management
  - Collections and recovery
  - Policies and procedures and workflow process
 Alternative systems for credit approval: scoring, scorecards, decision
  trees, etc.
  - Credit scoring – How it is derived and used
  - Behavior scoring and its applications
  - Dealing with "gray area" credits: decision tree models
  - Alternative techniques
  - Monitoring and validation
  - Back testing and stress testing
 Guarantees and collateral: valuation and recovery of guarantees –
  "VPCE" Methodology
   Monitoring the portfolio
  - Concentration and segmentation
  - Key reports and data analysis
  - Planning
  - Loss provisioning
 Business strategy within the economic environment
  - Risk and reward
  - Products
  - Economies of scale 
  - Use and limits of information technology
  - Analytical methods for defining target markets
  - Pre-selected and pre-approved credits
 Building fraud awareness
  - Recognizing high risk products
  - Recognizing high risk processes
  - Applications process controls
  - Fraud mitigation techniques
 
       
 
  Duration  
  5 days  
     
   
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