Programme Information

Transcription

1 Programme Information Programme title Programme code Teaching mode NFQ level Programme (total) ECTS 5 Professional Certificate in Personal and Business Credit PCBUS004 Part-time Level 7 (Undergraduate) Programme modules Module : Principles of Credit Assessment Module : Credit Application Negotiation, Documentation and Financing Alternatives Module 3: Monitoring and Identifying Early Warning Signs of Financial Distress Recommended sequence for registration of modules Module : Principles of Credit Assessment Module : Credit Application Negotiation, Documentation and Financing Alternatives Module 3: Monitoring and Identifying Early Warning Signs of Financial Distress Entry requirements Typical course duration Programme learning outcomes Standard entry requirements One year On successful completion of the programme, graduates will be able to: Understand Portfolio risk appetite, Credit portfolio management and credit concentration risk; Explain the canons of lending; Describe the challenges of SME and personal lending; Describe the characteristics of business entities; Understand SME strategy, Industry, Economic and Management team risk assessment; Understand the Primary Statements in financial reporting; Analyse financial information - P&L, Balance Sheet and Cash flows; Understanding working capital and liquidity; Prepare and analyse repayment capacity; Appreciate the implications of financial projections sensitivity analysis; Understand Credit Scoring in personal lending; Explain the different types of security and legal issues affecting security; Explain covenants and conditions precedent; Describe the Personal lending Channels; NFQ: National Framework of Qualifications ECTS stands for European Credit Transfer System (ECTS). ECTS = 0/5 total student effort hours.

2 Module Information Module title Module code ECTS Total effort hours Delivery method (Must add up to total effort hours) Principles of Credit Assessment FIN067B 5 ECTS 5 hours This module, which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 5 hours of total student effort, including the MCQ test, recorded lectures, workshops, independent study and examination Assessment Written paper exam 00%, duration hours Pass mark 40% Module learning supports Programme Manager Programme Manager contact details Manual, learning plan, webinars and two one day workshops Susan Freeney Susan.freeney@iob.ie ECTS stands for European Credit Transfer System (ECTS). ECTS = 0/5 total student effort hours. Module learning supports specific module content will be outlined during semester of study and is subject to change. The learning plan contains the most up to date information.

3 Module learning outcomes Indicative Learning Outcomes: Understand Portfolio risk appetite, Credit portfolio management and credit concentration risk; Explain the canons of lending; Describe the challenges of SME and personal lending; Describe the characteristics of business entities; Understand SME strategy, Industry, Economic and Management team risk assessment; Understand the Primary Statements in financial reporting; Analyse financial information - P&L, Balance Sheet and Cashflows; Understanding working capital and liquidity; Prepare and analyse repayment capacity; Appreciate the implications of financial projections sensitivity analysis; Understand Credit Scoring in personal lending; Explain the different types of security and legal issues affecting security; Explain covenants and conditions precedent; Describe the Personal lending Channels; Appreciate ethics in personal lending including Financial Exclusion & the Consumer Right to Credit, Responsible Lending, Responsible Borrowing and whose Responsibility is Debt; Personal lending Case Studies including, Mortgage Application, Overdraft, Personal credit card, Car Loan and Personal loan.

4 Appreciate ethics in personal lending including Financial Exclusion & the Consumer Right to Credit, Responsible Lending, Responsible Borrowing and whose Responsibility is Debt; Personal lending Case Studies including, Mortgage Application, Overdraft, Personal credit card, Car Loan and Personal loan.

5 Module Information Module title Module code ECTS Credit Application Negotiation, Documentation and Financing Alternatives FIN068B 5 ECTS Total effort hours 5 Delivery method (Must add up to total effort hours) This module, which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 5 hours of total student effort, including the recorded lectures, workshops, independent study and examination Assessment Written paper exam 00%, duration Pass mark 40% Module learning supports Programme Manager Programme Manager contact details Module learning outcomes Manual, learning plan, webinars and a one day workshop Susan Freeney Susan.freeney@iob.ie Indicative Learning Outcomes: Describe the different forms of financing for SME borrowers. Describe the different personal credit products available; Conduct a borrower interview; Draft and structure credit applications; Negotiate with borrowers to protect the bank position; Understand facility letters; ECTS stands for European Credit Transfer System (ECTS). ECTS = 0/5 total student effort hours. Module learning supports specific module content will be outlined during semester of study and is subject to change. The learning plan contains the most up to date information.

6 Module Information Module title Module code ECTS Total effort hours Delivery method (Must add up to total effort hours) Monitoring and Identifying Early Warning Signs of Financial Distress FIN069B 5 ECTS 5 hours This module, which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 5 hours of total student effort, including recorded lectures, workshops, independent study and examination Assessment Written paper exam 00%, duration hours Pass mark 40% Module learning supports Programme Manager Programme Manager contact details Module learning outcomes Manual, learning plan, webinars and a one day workshop Susan Freeney Susan.freeney@iob.ie Indicative Learning Outcomes: Monitor and identify early warning signs of financial distress; Control and manage existing personal and SME credit facilities, in particular accounts in arrears; Assess problem debt and suggest the appropriate resolution options including, liquidation, receivership and administration. Assess the viability of the personal or SME customer proposition in a compromised credit situation and where appropriate restructure the facility to meet the needs of the customer while protecting the bank. Make a judgement on when to disengage and exit and outline the recovery options and provision requirements for impairment. ECTS stands for European Credit Transfer System (ECTS). ECTS = 0/5 total student effort hours. Module learning supports specific module content will be outlined during semester of study and is subject to change. The learning plan contains the most up to date information.