Saudi Arabia
Egypt
UAE
Canada
Preparation Course: Credit Advisor
Accreditation Number: 115395921 - Credit Advisor
Approval
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This course aims to empower participants with the cognitive and behavioral skills necessary to work as efficient and effective credit counselors.
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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
- 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.
