Certified Credit Risk Management - Preparation Course

This DIXONTECH professional course prepares participants for the Certified Credit Risk Management (CCRM) qualification, providing an in depth understanding of credit risk principles, measurement, and mitigation strategies. The program focuses on the analytical, strategic, and regulatory aspects of credit risk in financial institutions, empowering participants to assess creditworthiness, design credit policies, and manage portfolio risks effectively.

TRAINING TOPICS

• Principles and frameworks of credit risk management
• Credit assessment and scoring methodologies
• Portfolio management and diversification strategies
• Risk based pricing and capital adequacy
• Credit risk modeling and stress testing
• Regulatory frameworks (Basel II, III, IV) and compliance

BY THE END OF THIS TRAINING COURSE, DELEGATES WILL BE ABLE TO:

•   Evaluate and quantify credit risk exposure accurately
•   Design and implement effective credit risk policies
•   Conduct comprehensive borrower and sector assessments
•   Apply credit scoring and risk rating models
•   Integrate credit risk management with regulatory requirements
•   Optimize risk adjusted return on capital (RAROC)
•   Monitor and report portfolio performance trends
•   Prepare for CCRM certification examination successfully

TRAINING IS TAILORED TO

•   Credit risk officers and analysts
•   Corporate and retail bankers
•   Risk and compliance managers
•   Treasury and portfolio managers
•   Financial controllers and auditors
•   Investment and credit rating professionals
•   Regulators and supervisory authorities
•   Consultants in financial risk management

TRAINING METHODOLOGY

This DIXONTECH course combines analytical case studies, simulation models, and interactive workshops. Participants will use real financial data to assess credit exposure, apply stress testing, and perform portfolio diversification analysis while gaining full preparation for the CCRM professional exam through structured learning and review modules.

DAY 1

PRINCIPLES OF CREDIT RISK AND THE FINANCIAL ENVIRONMENT

•   Overview of credit risk and its dimensions
•   Understanding risk return trade offs
•   Credit risk types: default, concentration, and country risk
•   Role of credit risk management in financial stability
•   Credit risk vs. market and operational risk
•   Evolution of credit risk frameworks globally
•   Institutional roles and governance structures
•   Case study: evolution of risk management post crisis

DAY 2

CREDIT RISK ANALYSIS AND ASSESSMENT TECHNIQUES

•   Borrower analysis: quantitative and qualitative factors
•   Financial statement interpretation for credit decisions
•   Ratio and trend analysis for credit evaluation
•   Industry, business, and management risk assessment
•   Internal credit rating systems and scoring tools
•   PD, LGD, and EAD parameter estimation
•   Credit limits and exposure management principles
•   Workshop: rating a corporate client’s credit profile

DAY 3

PORTFOLIO MANAGEMENT, STRESS TESTING, AND RISK MODELS

•   Portfolio credit risk diversification strategies
•   Measuring portfolio correlation and concentration
•   Credit portfolio optimization techniques
•   Scenario and stress testing applications
•   Credit VaR and expected loss models
•   Default correlation and contagion modeling
•   Practical model validation and back testing
•   Simulation: portfolio stress analysis using data sets

DAY 4

CREDIT RISK MITIGATION AND REGULATORY COMPLIANCE

•   Collateral management and guarantees
•   Credit derivatives and credit default swaps (CDS)
•   Netting, securitization, and credit insurance tools
•   Basel II, III, and IV capital adequacy frameworks
•   Risk weighted assets and regulatory ratios
•   Supervisory Review Process (Pillar 2) and disclosures (Pillar 3)
•   Internal ratings based (IRB) approach implementation
•   Workshop: calculating regulatory capital requirements

DAY 5

MONITORING, REPORTING, AND CCRM EXAM PREPARATION

•   Credit portfolio monitoring and early warning indicators
•   Loan loss provisioning and IFRS 9 impacts
•   Credit risk reporting and governance dashboards
•   Designing effective credit risk policies and manuals
•   Review of key CCRM knowledge areas
•   Exam structure and preparation strategies
•   Practice test and feedback discussion
•   Final workshop: developing a credit risk framework