Does your organization struggle with rising delinquencies and loan losses? Do revenue leaks from excessive write-offs undermine profitability?
If you need to strengthen your credit risk capabilities, this course is the solution.
The Credit Risk Management Course provides a rigorous framework for evaluating borrower risk, designing balanced portfolios, and controlling exposure.
After completing this hands-on training, your organization can expect:
- Reduced credit losses through improved underwriting
- Higher revenue from appropriately priced risk
- Protection from volatility and economic cycles
- More informed, data-driven credit policies and decisions
- Proactive identification of troubled accounts or segments
- Competitive advantage attracting the lowest risk borrowers
- A resilient risk culture focused on ethics and stewardship
The High Costs of Credit Risk Mismanagement
Ineffective credit risk management can lead to:
- Revenue and profitability declines from write-offs
- Excessive collection costs and legal expenses
- Need for higher loan loss reserves impacting capital
- Downgrades in risk ratings by regulators
- Liquidity issues from portfolio deterioration
- Reputational damage and lost customer trust
While some losses are inevitable in lending, common drivers of excessive credit risk include:
- Poor underwriting lacking rigorous verification
- Approving loans not aligned to standards
- Weak portfolio concentration controls
- Inadequate credit monitoring procedures
- Lack of actionable early warning metrics
- Overreliance on unsustainable collateral values
- Insufficient data to model risk effectively
Why Our Credit Risk Management Training Delivers Results
There are many reasons our course drives strong risk capabilities:
Risk Experts – Our instructors are credit practitioners and managers with decades of real-world experience across economic cycles.
Customized Content – We tailor examples and exercises using your portfolios, data, policies and systems.
Integrated Framework – We teach an end-to-end process from origination to collections.
Globally Benchmarked – Our curriculum incorporates international standards and regulations.
Measurement – We evaluate proficiency improvements through assessments and audits.
Sustainment – We help embed lessons into policies, procedures, and risk culture.
Interactive Format – Applying concepts to realistic scenarios fosters retention.
Gain In-Demand Risk Management Skills
In this intensive course, you will learn to:
Align Credit Standards to Risk Appetite
- Specify risk tolerances, targets, and limits
- Define appropriate terms and underwriting criteria
- Develop consistent policies and procedures
- Classify exposures and gauge portfolio suitability
Verify Income, Collateral, and Customer Profile
- Gather required documents and financial statements
- Scrutinize application details and surface inconsistencies
- Analyze cash flow stability and debt obligations
- Validate collateral ownership and valuations conservatively
Score Credit Worthiness Rigorously
- Leverage internal data, bureau, and alternate sources
- Evaluate probability of default, loss given default
- Benchmark applicant against policy guidelines
- Model risk-based and behaviorally-driven factors
Optimize Credit Decisions
- Review risk vs. revenue trade-offs critically
- Mandate layered risk mitigants like covenants
- Price appropriately for risk through disciplined underwriting
- Manage model limitations and exceptions stringently
Monitor Portfolio Health Proactively
- Stratify exposures by vintage, sector, geography
- Update risk grades reflecting new information
- Identify correlated concentrations and sensitivities
- Track key early warning delinquency and problem loan metrics
Pursue Early Intervention on Problem Loans
- Classify deteriorating accounts accurately
- Initiate contact and determine payback viability realistically
- Explore mutually optimal workout arrangements
- Prepare and negotiate discounted settlement offers
Continuously Strengthen Risk Management
- Back test credit models rigorously
- Study losses and variances to refine policies, procedures, and tools
- Cultivate principles-based risk culture emphasizing ethics and accountability
- Maintain adequate reserves and capital cushion
Reduce Risk and Protect Revenue
With training, credit professionals gain skills to:
Improve Decisions – Enhanced underwriting minimizes defaults.
Grow Safely – Prudent policies align growth to risk appetite.
Save Resources – Lower delinquencies reduce collections costs.
Protect Reputation – Responsible lending maintains customer trust.
Sustain Profits – Fewer write-offs preserve revenues.
Spot Trends – Early warnings identify emerging portfolio threats.
Learn Continuously – Analyzing losses leads to smarter policies.
Next Steps
With rigorous credit risk capabilities, financial institutions can expand lending safely even through volatile times.
To learn more about our transformative Credit Risk Management Course, contact us today. We offer custom in-person or virtual training options.
Our risk experts look forward to helping your team reduce credit losses while responsibly growing revenue.