CMTP MODULE THREE

The CMTP module 3 is aimed at all those involved in the credit granting and the credit portfolio management.

Our industry training needs analysis indicates that few lenders learn a consistent and systematic approach to corporate and SME credit analysis and portfolio management. The CMTP module 3 fills the gap and the need for systematic and consistent credit training.

 

COURSE OBJECTIVES

Learners under CMTP module 3 will be able to:

  • Understand how to start, operate and manage a personal or group enterprise business.
  • Understand how to interpret companies’ financial statements before making lending decisions
  • Understand the role of credit risk management
  • Understand cash flow forecasting and cash flow modelling
  • Explain the techniques that can be employed to manage working capital and improve efficiencies.
  • Identify the risks in working capital and quickly close the gaps
  • Explain the business environment and the industry a potential client operates in from a macro level and appreciate the specific risks associated
  • Review a company from a strategic perspective as well as management competencies.
  • Make a lend or not to lend decision based on the viability of a company’s business as well as the industry’s potential.
  • Explain the different ways of analyzing competition
  • Explain how to develop strategies based on competitive analysis
  • Give examples to ensure understanding of the techniques.

 

There are 5 units, with each module requiring 300 hours of study time. This can also vary depending on the previous experience of the individual. CMTP module 3 focuses on high-value, high-impact competencies by emphasizing interpretation and analysis instead of mechanical calculations.

 

 

CORE COMPETENCE GUIDELINES

UNIT 1         ADVANCED LOAN ADMINISTRATION
12.3.1 The Role of Credit Risk Management
12.3.2 The Credit approval Process
12.3.3 Loan Structuring
12.3.4 Loan Pricing
12.3.5 Loan Management
UNIT 2 LOAN AGREEMENTS
13.3.1 Loan Covenants
13.3.2 Loan Agreements
UNIT 3 CREDIT MANAGEMENT
14.3.1 The new credit environment
14.3.2 Formulating an effective credit policy
14.3.3 Non-Performing Loans
14.3.4 The Basel Accord
14.3.5 Regulatory Framework
UNIT 4 LOAN PORTFOLIO MANAGEMENT AND DEBT RECOVERY
15.3.1 Credit Analytics
15.3.2 Benchmarking credit effectively
15.3.3 Debt recovery and the Law
15.3.4 Qualitative early warning signs
15.3.5 Handling
15.3.6 Debt and Cash flow
15.3.7 Collecting debt
15.3.8 Outsourcing
15.3.9 Effective debt collectors
UNIT 5 ADVANCED CREDIT RISK MANAGEMENT
16.3.1 Credit Risk
16.3.2 Risk assessment
16.3.3 Customer due diligence
16.3.4 Industry Competitiveness
16.3.5 Financial products
16.3.6 Credit decision making tools
16.3.7 Credit Risk Strategy
16.3.8 Portfolio Risk
16.3.9 Modelling Credit Risk
16.3.10 Stress testing
16.3.11 Credit Portfolio Management
16.3.12 Loan pricing

 

WHO SHOULD ATTEND

  • Credit Managers
  • Credit Officers – Corporate
  • Credit Analysts – Corporate
  • Loan Officers – Corporate

 

OTHER PRE-REQUISITES

  • CMTP Module Two Certificate

 

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