Preparation Course: Credit Advisor
Accreditation Number: 115395921 - Credit Advisor
This
course aims to empower participants with the cognitive and behavioral skills
necessary to work as efficient and effective credit counselors.
By the end of this course, participants will be
able to:
•
Set performance goals that can be
achieved and monitored
•
Manage personal performance to the
required level
•
Communicate administratively and write
reports professionally
•
Identify operational risks and their
types
•
Manage and monitor operational risks
•
Identify unusual or suspicious
transactions
•
Handle customer complaints and work to
prevent their recurrence
•
Resolve complaints in accordance with
regulatory procedures
•
Enable the client to form a
comprehensive picture of their financial situation
•
Identify financial goals that align
with the client's financial situation
•
Identify sources of risks affecting
banking product clients
•
Familiarize themselves with factors
influencing loan approval
•
Follow the basic steps in the loan
application process
•
Work according to lending standards
for loans and mortgages
•
Define, assess, measure, evaluate, and
address credit risks
•
Manage delinquent loans
•
Identify methods and means of
mitigating banking credit risks
Course Curriculum
- Financial products and services provided by banks and financial companies in the Kingdom of Saudi Arabia to individual clients.
- Controls for obtaining financial products.
- Consumer financing regulations.
- Executive regulations for the real estate finance system.
- Typical structure of real estate financing products (lease/murabaha).
- Rights of lessor and lessee according to the leasing finance system.
- Rights and responsibilities arising from financial products.
- Rules for disclosing financial and savings product rates.
- Factors influencing the approval of financing applications for individual clients.
- Responsible financing principles for individuals.
- Unusual and suspicious transactions and the procedures for dealing with them.
- Legal frameworks in the Kingdom for combating money laundering and terrorist financing.
- Administrative references for dealing with unusual and suspicious transactions (compliance management - the role of the audit and review unit).
- Regulatory procedures for dealing with unusual and suspicious transactions.
- Credit risks related to customers and their impact on them.
- Financial goals aligned with the customer's financial situation.
- Collection controls and procedures.
- Procedures for handling delinquent customers.
- The nature of goals and how to set them, whether at the individual or organizational level.
- Achievable goals through agreement with the direct supervisor.
- Measuring performance using personal records and balanced scorecards.
- Activities in line with the established performance goals and determining the relative weight of each goal.
- Effective performance standards and how to measure, analyze, and improve them.
- Priorities that management must adhere to, and how to use available time and resources to achieve goals and required standards.
- Principles of behavior and ethics in financial institutions.
Instructor
Super admin
Administrator
Admin of ejaabi
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