In the Credit Risk course
participants will re-cap on key issues risk. Focusing on case study driven for
the strategies of lenders like (5 CS of Credit, Debt Covenants and Disbursement
monitoring)
Identify Credit Risk.
Recognize Rating agencies process.
Define the key methodology to construct a formal internal risk-based credit rating process.
Categorize qualitative and quantitative assessment.
Define each characteristic in the 5 Cs of credit framework.
Credit Risk
overview.
Rating
agencies rating grades and process.
Internal
rating-based system.
Credit Risk
modeling (Scoring system).
The 5 Cs
(Character, Capacity, Capital, Collateral, and Conditions).
5 Cs impact
on pricing, loan structure risk mitigation.
5 Cs
collectively and balance.
Covenants
definitions.
Types of
covenants.
Calculations
of financial covenants.
Factors of distressed
assets.
Potential
actions and reactions.
Capital
structure evaluation and potential recovery rates.
Securitization
and risk transfer.
Provisioning.
Rating
transition matrix.
Expected
Credit Loss, Probability of Default, Loss Given Default and Exposure at
Default.
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