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Home All Courses CMC Credit Modelling 
4.8

CMC Credit Modelling 

For Consumer & Small-Medium Enterprise Portfolios

1 alternative location(s) available

Course Overview

Credit Modelling is an Intermediate to Advanced level program designed to build a robust understanding of credit modelling for financial and analytical professionals. The Program focuses on Consumer and Small business lending modelling providing a hands-on and technical approach towards learning. This program takes a foundational, practical and technical approach to deepen knowledge of Credit Card, Loans and Mortgage modelling.
This includes dynamic modelling approaches for approval/underwriting, portfolio management and pricing decisions. Take a comprehensive look into the evolution of credit modelling approaches, drivers of change and best practices in the application of modelling of Consumer/SME lending, Mortgages and Credit Card programs.

1 alternative location(s) available

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5 Key Takeaways

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Learn how to build “Fit for Purpose” models to help benefit your organization’s approach and drive analysis

Work with first-hand techniques for modelling unique and specialized products

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3

Understand single versus multivariable models

Explore structuring and implementing best approaches to crafting balanced models

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5

Assess how individual models fit into enterprise wide level modelling and risk assessment programs

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See What’s Inside Our 2020 Catalog

Course Outline

DAY ONE

A Building Block Approach

Modelling Foundations

  • Translating Business Problems into Solutions
  • Modelling: A Toolbox Approach
  • The Quest for Efficiency & Optimization in decision making and processing speed
  • Mathematical Approaches and Applications
  • Product considerations and Modelling Choices
  • Single Variable versus Multi Variable Modelling
  • Decision versus Predictive Models

Major Influences on Modelling Practices

  • Regulatory Perspectives: The quest for measurement conformity & Governance
    a. The evolution of the Basel Accords
    b. Predicting & Preventing the next market event
    c. Building Capital / Provision Buffers and Liquidity safeguards
  • Accounting Perspectives: The Quest to establish a level reporting field
    a. FASB & IFRB
  • Competitive Influences: Do not want to be left behind
    a. Gaining the Strategic Advantage or Justifying Growth
    b. Adapting to changes in the business landscape

Practical Considerations:Organizational Goals

  • Build the right analytical tool for the purpose
  • Build or Buy: A review of Internal approaches versus Vendor tools
  • Imbedding the organizations risk appetite into its modelling approaches
  • Modelling as a driver of optimal resource allocation
  • Advancing the Business Process
  • Scenario development and oversight

Mathematical Applications & Advances – The quest for Clarity

  • Decision Models (Approval and Pricing)
  • Predictive Modelling (Default and Loss)
  • Portfolio Risk Modelling (Capital / Liquidity / Provisions)
  • A Word about Artificial Intelligence and its limitations

Aligning Modelling to Your Organization’s Internal Assessment and Portfolio Management Processes

  • Organizational Business Practices
  • Applying Risk targets and appetite goals
  • New Business Development & Efficient Assessment
  • Portfolio Risk Management Practices

Single Variable Models:
Consumer Lending and Credit Card issuance represents a highly standardized and uniform product. Decisioning and forecasting models are built upon a select group of drivers which are unique to this segment.

Application: Consumer Credit Card / Lending Modelling

  • Cardholder acquisition modelling/Scoring
  • Internal versus External Modelling Approaches
  • Profitability Modelling and Loss Projections
  • Market Mix Modelling
  • Pricing Models for Consumer Lending
  • Portfolio Modelling Limit Management and Usage
  • Product Considerations and building the right model
  • Portfolio Data and Analytical Considerations

DAY TWO

A Building Block Approach

Practical Considerations: Enhancing your Risk Analytics & Data Collection Programs

  • Assessing Internal data quality and history, Null Data Sets and Gaps
  • Incorporating External data sources and calibration with portfolio practices
  • Calibrating your Models
  • A word about meta data and machine logic and other methods

A More Complex Single Variable Model:
Consumer Mortgage lending is a highly refined product segment which introduces 2 new elements to modelling approaches: Debt Servicing and Collateral

Application: Consumer Mortgage Modelling

  • Credit Scoring Modelling and Capacity Assessment
  • Product Structuring and its influence on Models
  • Collateral Considerations, Default and Loss Modelling
  • Market Value Assessment, Market Drivers and Decisioning
  • Portfolio Data and Analytical Considerations
  • A word about Real Estate Markets

 

Multi-Variable Modelling:
Small Medium Enterprise Modelling represents the next jump in complexity for model development. From Scoring, Forecasting and Loss projections modelling for this category focuses on multiple areas 1) Borrower/Guarantor; 2) Industry and 3) Market Assessment

Setting the Stage for Modelling Approach to SME Portfolios

  • Separating Owner and Business Assessment Approaches
  • Incorporating Competitive Landscape and Market Factors into Modelling
  • Assessing unique industry factors in Modelling
  • The importance of weighting, getting it right
  • Quantitative versus Qualitative Measurement

Application: SME Modelling
Part 1: Borrower Assessment

  • Financial Assessment Criteria Decisions
  • Not all Financial Statements are created equal
  • The influence of structuring decisions on modelling approaches
  • Market Value Assessment, Market Drivers and Decisioning
  • Applying Lower Volume and High Touch Analytics
  • Portfolio Data and Analytical Considerations

Application: SME Modelling
Part 2: Industry Assessment

  • Financial Assessment Criteria Decisions
  • Not all Financial Statements are created equal
  • The influence of structuring decisions on modelling
  • Market Value Assessment, Market Drivers and Decisioning
  • Portfolio Data and Analytical Considerations

Application: SME Modelling
Part 3: Market Assessment

  • Not all Markets are created equal and neither are its historical events
  • Modelling Past Experiences
  • Building Stress Testing and downturn scenarios
  • Market Value Assessment, Market Drivers and Decisioning
  • Portfolio Data and Analytical Considerations

Application: SME Modelling
Part 4: Putting it all together

  • Weighting approach
  • Recognizing the dynamic of finding the right balance
  • Developing a Comprehensive Assessment Process which aligns to business process

Portfolio Level Modelling

  • Capital Modelling :
  • Default Modelling
  • Stress Testing Assessment and Approaches

 

EDUCATIONAL PARTNER

LEORON - Professional Development Institute

Built upon the strong experience in the manufacturing sector, which the founders developed in Sweden during the 90’s global expansion, LEORON evolved into a comprehensive training institute, offering training and development solutions in all strategic corporate functions, including corporate finance, HR, SCM, operations, and engineering.

With strategic distribution of our offices in leading locations, such as Dubai, Riyadh, Jonkoping, Skopje, Accra, and Almaty, our team of experts delivers approximately 500 courses annually, and roughly 10000 professionals are equipped with appropriate education and the latest insights in a wide assortment of industries across the EMEA region.

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Who Should Attend?

This highly practical and interactive course has been specifically designed for:

This program is designed for financial and analytical professionals with knowledge of consumer or commercial credit products seeking to expand their knowledge of modelling techniques.

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