

Infinity Risk Advisors
Credit and Risk
Designed to provide an understanding of the credit cycle and how to apply its concepts and best practices to the major retail credit business: auto lending and leasing, cards, personal loans, mortgage lending and other retail credit businesses.
Program Objectives:
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Develop an understanding of how the Credit Cycle is used as a conceptual tool to plan, manage and grow consumer credit businesses;
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Demonstrate and apply the concept of risk / reward tradeoffs used to optimize credit performance in achieving sustainable business profitability.
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Understand how to manage in high volume, low loan size consumer credit businesses while being in compliance with all regulating authorities;
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Develop a thorough understanding of consumer lending Credit Culture and the technical credit language used to communicate between functional areas; and,
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Develop a high level understanding of the credit and profit dynamics of the major
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consumer credit businesses:
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Auto
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Cards
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Consumer Finance
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Mortgage
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Who should attend:
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Business Managers responsible for retail credit businesses
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Sales, Credit, Operations and other staff supporting the retail credit business
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Compliance officers, internal auditors and operational risk managers
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Marketing team, fraud managers and collection managers
Course Delivery:
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Core techniques: Lecture, group exercises and case studies
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Additional options: computer simulation, pre-course readings, daily and final exams
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Duration: Two to four days, depending on topics covered and delivery methods
Course Delivery Options:
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Client can include special topics presented by its staff
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Use of daily and final exams to test knowledge and identify areas for special focus
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Pre-course assignments to cover basics information outside of the classroom.
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On-site consulting by the instructor immediately after the course or as a follow-up to the course
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Remote follow-ups and participation by the instructor after the course
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Train-the-Trainer of the client’s staff to conduct future offerings of the course