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:

Develop an understanding of how the Credit Cycle is used as a conceptual tool to plan, manage and grow consumer credit businesses;
Demonstrate and apply the concept of risk / reward tradeoffs used to optimize credit performance in achieving sustainable business profitability.
Understand how to manage in high volume, low loan size consumer credit businesses while being in compliance with all regulating authorities;
Develop a thorough understanding of consumer lending Credit Culture and the technical credit language used to communicate between functional areas; and,
Develop a high level understanding of the credit and profit dynamics of the major
consumer credit businesses:
- Auto
- Cards
- Consumer Finance
- Mortgage

Who should attend:

Business Managers responsible for retail credit businesses
Sales, Credit, Operations and other staff supporting the retail credit business
Compliance officers, internal auditors and operational risk managers
Marketing team, fraud managers and collection managers

Course Delivery:

Core techniques: Lecture, group exercises and case studies
Additional options: computer simulation, pre-course readings, daily and final exams
Duration: Two to four days, depending on topics covered and delivery methods

Course Delivery Options:

Client can include special topics presented by its staff
Use of daily and final exams to test knowledge and identify areas for special focus
Pre-course assignments to cover basics information outside of the classroom.
On-site consulting by the instructor immediately after the course or as a follow-up to the course
Remote follow-ups and participation by the instructor after the course
Train-the-Trainer of the client’s staff to conduct future offerings of the course