Professional Certificate in Personal and Business Credit new

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Who is this programme for?

This programme is designed to meet the needs of:

  • All staff working in retail branch banking 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 staffs who want to build on their existing skill base and move on to the next level.
  • Credit underwriters working in the frontline or in a credit department setting.
  • Loan administration and credit policy officers.
  • Credit review staff who are responsible for ensuring that lending and credit delivery standards are complied with.
  • Internal audit staff who assess whether the credit management standards are fit for purpose and are being complied with.
  • Marketing staff who design and promote credit products.
  • Financial Control staff with responsibility for budget setting, capital allocation, financial performance evaluation and financial/regulatory reporting.

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.
  • Manage and negotiate with borrowers.
  • Describe the personal credit products available.
  • Understand the different types of security.
  • 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 life of the credit facility to support the customer and protect the bank.

Curriculum

You study three modules:

  • Principles of Credit Assessment (5 ECTS)
  • Credit Application Negotiation, Documentation and Financing Alternatives (5 ECTS)
  • Monitoring and Identifying Early Warning Signs of Financial Distress (5 ECTS)

Award

When you successfully complete this programme you will be awarded a Professional Certificate in Personal and Business Credit from UCD.

Delivery

Online and workshops

Assessment

  • 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.

Entry Requirements

The second level educational requirements for entry to the Professional Certificate in Personal and Business Credit 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.

Fees

€475 per module

Professional Body Membership

You must be a current member of the Institute or become a member, to undertake this programme. 

Membership is currently €40 per calendar year.