University College Dublin
If you are interested & require further information, we will email you a copy of the programme brochure.
As you are not registered with us, you will need to upload proof you can enrol to this programme.
I know, let’s sign upI have an account, let me sign in firstThis programme is designed to provide students with core credit analytical skills while enabling them to specialise in trading, property, agri and distressed credit.
University College Dublin
Outcomes
The programme will equip participants with an analytical framework for identifying and conducting the credit risk assessment.
This programme is designed to provide students with core credit analytical skills while enabling them to specialise in trading, property, agri and distressed credit. It is designed to meet the needs of:
SME relationship managers and their lending portfolio support staff
SME Property specialists
SME Agri specialists
Credit underwriters
Loan administration and credit policy officers
Accountants, lawyers and other professionals who provide SME advisory services
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
Credit portfolio managers who are responsible for identifying and managing excessive credit concentrations in the loan book, forecasting loan losses and estimating provisions
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.
The programme is a specialist education programme that offers a unique, independent, university-level qualification.
The programme will equip participants with an analytical framework for identifying and conducting the credit risk assessment of:
Viable and sustainable trading, property, and agri SME businesses focusing on the principal SME exposure sectors of the banks
Fundamentally viable trading SME businesses burdened with an overhang of property-related debt that is non-core to the business.
It will also:
Introduce the structuring options which are specific to the case studies
Enhance the skills of relationship managers and credit analysts in managing credit risks to help mitigate potential loan losses
Support the banks’ strategic plans for addressing their SME distressed businesses.
If you are a QFA, CPD member, LCI or Chartered Banker, you may be awarded formal CPD hours when you successfully complete this qualification.
These modules are delivered via blended learning with online webinars supplemented by two online half day practical workshops for each module.
End of trimester examinations.
When you successfully complete this programme you will be awarded a Professional Diploma in SME Credit from UCD.
This is a level 8 qualification on the National Framework of Qualifications.
Principles and Practices of Credit Risk Management €625
SME Credit Risk Assessment €625
SME Financing and Distressed Credit Analysis €625
Summer Trimester
24 May 2024
For more information please contact [email protected]
(NFQ Level 8, 10 ECTS)
Key categories of risks to which banks are exposed with focus on credit risk.
Basel principles for the management of credit risk.
Bank risk appetite frameworks.
Components of the credit risk management framework.
Credit portfolio management and credit concentration risk.
Credit risk appetite statements.
Credit culture.
The end to end credit process.
Overview of the canons of lending.
Credit application process.
Bank capital.
Risk weighted assets.
Basel II & Basel III, Basel IV.
Minimum Regulatory Requirements.
Introduction to credit models.
Impairment provisioning.
Stress testing.
Impairments and capital.
Pricing for risk.
Key Lessons from Irish banking crises, Honohan Report, Regling & Watson, Nyberg.
(NFQ Level 8, 10 ECTS)
• Objectives and challenges of SME lending
• Characteristics of business entities
• The canons of lending
• Business strategy, Industry, Economic and Management team risk assessment
• Characteristics of the different SME sectors
• Primary Statements in financial reporting
• Analysing financial information - P&L, balance sheet and cash flows
• Calculating and analysing repayment capacity
• Preparation of cash flow statements
• Understanding working capital analysis
• Conducting a financial projections sensitivity analysis
• Different types of security and legal issues affecting security
• Explaining covenants and conditions precedent.
(NFQ Level 8, 10 ECTS)
• Traditional banking facilities for SME borrowers
• Alternative sources of finance for SMEs
• Start-up business lending
• Agricultural lending
• Property lending
• Conducting the borrower loan interview
• Writing the credit application
• Negotiating final terms and conditions
• Legal documentation and drawdown
• Procedures for deciding on impairment provisions
• Monitoring and control framework
• Identifying and reviewing a potentially distressed customer
• Negotiating with customers in difficulty
• Managing arrears and restructuring
• Cancelling facilities, collections and recoveries
• Loan restructuring options
• Importance of the facility letter in impairment cases
• Legal remedies for recovery.
Level 7 and 8 Key Dates 2023/24
Examination schedule 2023/2024
Summer Trimester
24 May 2024
Individuals seeking admission to the Professional Diploma in SME Credit will:
a) have 3 years’ experience (full time) in a relevant banking role and have completed the Professional Diploma in Financial Advice or equivalent 30 ECTS Special Purpose Award/s at Level 7, or
b) have an Honours degree (min. H2.2, Level 8 NFQ), or
Admission will also be considered from experienced professionals who do not meet the minimum admission requirements as set out above, who can demonstrate learning based on work and training experience e.g. individuals employed in a credit role with responsibility for credit decisions in financial services.
You must be a current member of IOB, or become a member, to undertake this programme.
IOB members gain access to IOB Learn with exclusive resources, content and the ability to log CPD hours on the go.
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