On completion of the foundations module, the candidate should be able to:
- Understand the importance of retail credit
- Understand the concept of retail banking risk management
- Explain how the credit risk team should be managed
- Highlight the most common retail credit products
- Explain the different types of risk for the bank
- Understand how risk in reflected in pricing credit products
Candidates who have completed module II should be able to:
- Understand the importance of retail credit strategies and policies.
- Understand the sequences and techniques of the retail credit development cycle.
- Assess retail credit.
- Build credit scores and master scoring techniques.
- Read and understand vintage reports.
- Understand how to verify and assess the key documents associated with lending
Finally, on completion of the final module candidates should be able to:
- Understand the recommendations of the Basel Committee on Banking Supervision on risk with particular focus on retail banking.
- Understand the methodology necessary to manage the retail credit risk portfolio.
- Understand the main features of Basel III and its requirements.
- Know how to manage SME lending.
- Understand the concepts of Islamic banking and realize what is allowed and what is not.
- Outline examples of Islamic banking products.