Introduction

This training program is designed specifically for new entrants into the banking field. Often this program is included as a core component within a bank’s “Management Associate Development” induction training.

It blends the principles of consumer lending, commercial lending and SME business banking into one comprehensive and coherent program that discusses lending principles and practices, central bank regulations, and the range of the Bank’s lending products.

Program objectives:

This program traces the different lending processes from generating and processing loan applications to loan closing, documentation, collection, and recovery. It also reviews the credit investigation, loan evaluation, and decision-making processes. Bankers will develop a greater understanding for customer relationship building as well as the laws and regulations that affect lending.

The program covers the principles of Lending with specific modules focusing on:

1. Credit and Economic Growth
2. Commercial Lending
a. Basics of Commercial Lending
b. Working Capital
c. Bills and Letters of Credit
d. Lending Against Shares
e. Lending Against Real Estate
f. Term Loan
g. The Commercial Lending Process and Initial Business Development Calls
h. Central Bank regulations, rules, and guidelines
3. Consumer Lending
a. Consumer Lending Term Definitions
b. Gain an Understanding of How Banks Make Consumer Lending Decisions Based on the Five (5) C’s of Credit, Credit Scoring , Portfolio Risk
Understand the Consumer Lending Process
c. Learn about Consumer Loan Products: Credit Card, Personal, Housing, & Auto
d. Prepare for and conduct client interviews
Conduct credit investigations and assessments
e. Calculate the cost of borrowing for clients
f. Identify all required documentation necessary to execute complex transactions

g. Central Bank regulations, rules, and guidelines
4. Small & Medium Enterprise (SME) Lending
Role of Relationship Officer:

Target Audience

This training program is designed specifically for new entrants into the banking field. Often this program is included as a core component within a bank’s “Management Associate Development” induction training.

Delivery Method

Course is designed to be delivered in classroom setting and facilitated by an Impact instructor.

Study Material & Tools

The program design will be based on a set of lectures, activities, and case studies, group activities followed by team presentation.

Program Duration

“The Business Banking & Fundamentals of Lending” is a 5 days training program.
Program Language

All program materials will be in English. The actual training sessions will be conducted by Facilitators fluent in both Arabic & English.