Who is this programme for?
This programme is designed to meet the needs of:
- All staff working in retail branch banking in customer facing roles and those who wish to move into lending, either personal or small business. Previous lending experience is not essential.
- SME relationship managers and their lending portfolio support staff who want to build on their existing skill base.
- Credit underwriters working in the frontline or in a credit department setting.
- Loan administration and credit policy officers.
- Internal audit and compliance staff.
- Marketing staff who design and promote credit and other retail banking products.
How you will benefit
At the end of the programme, you will be able to:
- Understand the main features and characteristics of SMEs in Northern Ireland.
- Understand financial accounts and how to use them to support lending decisions.
- Evaluate the commercial viability and sustainability of SME's and management's ability to deliver.
- Present a lending proposal in a manner which meets the needs of the personal or SME borrower and complies with credit policies.
- Describe the key funding sources available to SMEs.
- Describe the principal legal and regulatory mechanisms in our financial services.
- Describe the retail banking products available to different types of customers and the regulations relating to their marketing, sale and service.
- Understand the different types of security for loan products.
- Understand the different types of credit monitoring controls.
- Identify the early signs of credit deterioration for personal and SME customers, evaluate their potential impact and consider courses of action.
- Effectively manage the client-bank relationship through the customer life cycle.
- Identify conduct risk and apply service principles necessary to provide the required customer centric service that provides the best outcomes for customers across all the banks' products.
The programme will enable you to deliver a high standard of retail banking services to customers in ways which mitigate the risks in retail banking.
You study six modules as follows:
- Principles of Credit Assessment (5 ECTS)
- Credit Application Negotiation, Documentation and Financing Alternatives (5 ECTS)
- Retail Conduct Risk and Customer Services Practice (5 ECTS)
- Introduction to Retail Banking Regulation (UK), Products and Services (5 ECTS)
- Retail Banking Product and Service Regulatory Requirements (UK) (5 ECTS)
- Monitoring and Identifying Early Warning Signs of Financial Distress (5 ECTS)
Please click here for more detailed Programme/module information.
When you successfully complete this programme you will be awarded a Professional Diploma in Retail Banking Credit and Service from UCD.
Online and workshops
- End of semester examination
- Written, essay-style questions
- Exam duration: 120 minutes
The pass mark is 40% in all modules in line with UCD academic policy.
The minimum second level educational requirements for entry to the Professional Diploma in Retail Banking Credit and Service are as follows:
- Five passes in the Leaving Certificate, including English and Mathematics, or
- Five O Level/GCSE passes, including English Language and Mathematics.
The Institute will also consider applications on a mature candidate basis from applicants who are 23 years of age before the date of their application for admission to the programme.
You must be a current member of the Institute, or become a member, to undertake this programme. Membership is currently €40 per calendar year.
- Principles of Credit Assessment (5 ECTS) €475
- Credit Application Negotiation, Documentation and Financing Alternatives (5 ECTS) €475
- Retail Conduct Risk and Customer Services Practice (5 ECTS) €510
- Introduction to Retail Banking Regulation (UK), Products and Services (5 ECTS) €510
- Retail Banking Product and Service Regulatory Requirements (UK) (5 ECTS) €510
- Monitoring and Identifying Early Warning Signs of Financial Distress (5 ECTS) €475