Certified Credit Specialist

Introduction:

The creation of credit or deposits is one of the most important functions of commercial banks. Like other corporations, banks aim at earning profits. For this purpose, they accept cash-in-demand deposits and advance loans on credit to customers.
Credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments. [1] In the first resort, the risk is that of the lender and includes lost principal and interest, disruption to cash flows, and increased collection costs. The loss may be complete or partial. In an efficient market, higher levels of credit risk will be associated with higher borrowing costs.
Credit risk management, meanwhile, is the practice of mitigating those losses by understanding the adequacy of both a bank’s capital and loan loss reserves at any given time –a process that has long been a challenge for financial institutions.
The global financial crisis –and the credit crunch that followed –put credit risk management into the regulatory spotlight. As a result, regulators began to demand more transparency. They wanted to know that a bank has a thorough knowledge of customers and their associated credit risk.
To comply with the more stringent regulatory requirements and absorb the higher capital costs for credit risk, many banks are overhauling their approaches to credit risk. But banks who view this as strictly a compliance exercise are being short-sighted.

Outline:

· Credit functions in commercial banks
· Credit creation by banks
· Risks associated with credit creation
· Credit risk management
· Risk processing/management techniques
· Interests of regulators in the credit function
· Applicable laws and regulations related to
credit risk management in Afghanistan
· NPA management
· Guarantees according to URDG 758
· Recovery procedures and skills
· Credit risk management and competitive
advantage
· Non-find based facility
· CAMEL rating
· Assets classification
· Related regulatory norms
· 5 Cs of Credit

Coaching Fee: 25,000 AFN

For further details, please contact us:

E-mail: marketing@aibf.af / bdm@aibf.af / info@aibf.af

Cell: +93 784 905097 / +93  783 535054