Course Details

Training on Credit Control and Management, Credit Monitoring & Evaluation for Mortgage Financing

INTRODUCTION

Effective credit control and management are critical for the success of financial institutions, particularly in mortgage financing, where long-term commitments and significant capital investments are involved. This Credit Control and Management, Credit Monitoring & Evaluation for Mortgage Financing training is designed to equip participants with the tools, techniques, and insights necessary to mitigate risks, optimize credit processes, and improve decision-making in mortgage financing.

This Credit Control and Management, Credit Monitoring & Evaluation for Mortgage Financing training provides a comprehensive framework for understanding and implementing best practices in credit control, risk evaluation, and credit monitoring tailored specifically for mortgage financing. With the housing and real estate market evolving rapidly, it is imperative for professionals in this field to stay equipped with the latest tools, techniques, and regulatory insights to address challenges such as delinquency, default risks, and market volatility.

Participants will gain practical knowledge on designing and executing robust credit policies, evaluating borrower creditworthiness, and utilizing advanced credit monitoring systems. This program also emphasizes proactive risk mitigation and compliance with industry standards, ensuring both profitability and sustainability in mortgage lending.

Through a blend of theory, practical exercises, and case studies, this training aims to enhance the participants' capacity to manage credit efficiently, improve loan performance, and foster confidence in credit decision-making processes.

DURATION

5 days

TARGET AUDIENCE

This training is tailored for professionals involved in credit management and mortgage financing, including:

• Credit Officers and Analysts
• Mortgage Loan Officers
• Risk Management Professionals
• Relationship Managers
• Compliance Officers
• Banking Executives and Managers
• Finance Professionals in Real Estate
• Government Housing and Mortgage Regulators

COURSE OBJECTIVES

By the end of this training, participants will be able to:

• Understand the principles and practices of credit control and management.
• Develop and implement robust credit monitoring systems to mitigate risks.
• Evaluate creditworthiness effectively for mortgage financing.
• Design policies that align with regulatory and industry standards.
• Monitor mortgage portfolios to ensure timely repayments and manage delinquencies.
• Apply advanced tools like credit scoring and risk modeling in decision-making.

COURSE CONTENT

Module 1: Fundamentals of Credit Control and Management

• Importance and objectives of credit control.
• Framework for developing credit policies.
• Risk management principles in credit control.
• Practical examples of credit control success and failure.

Module 2: Credit Risk Assessment and Analysis

• The Five Cs of Credit (Character, Capacity, Capital, Collateral, Conditions).
• Credit scoring models and risk-based pricing.
• Tools for evaluating borrower creditworthiness.
• Impact of external factors (e.g., market trends, economic cycles).

Module 3: Mortgage Financing Essentials

• Overview of mortgage products and market trends.
• Regulatory framework and compliance in mortgage financing.
• Loan underwriting process for mortgages.
• Evaluating property value and collateral risks.

Module 4: Credit Monitoring Frameworks

• Role of credit monitoring in managing risks.
• Early warning systems for identifying default risks.
• Techniques for stress testing and scenario analysis.
• Use of technology in credit monitoring.

Module 5: Delinquency Management and Recovery Strategies

• Strategies to address late payments and delinquencies.
• Legal and non-legal approaches to recovery.
• Case studies on managing large-scale defaults.

Module 6: Emerging Trends in Credit and Mortgage Management

• Digital transformation in credit evaluation.
• Role of artificial intelligence in credit monitoring.
• Green mortgages and sustainable financing trends.
• Future challenges and opportunities in the industry.

 CERTIFICATION

• Upon successful completion of this training, participants will be issued with Macskills Training and Development Institute Certificate

TRAINING VENUE

• Training will be held at Macskills Training Centre. We also tailor make the training upon request at different locations across the world.

AIRPORT PICK UP AND ACCOMMODATION

• Airport pick up and accommodation is arranged upon request

TERMS OF PAYMENT

• Payment should be made to Macskills Development Institute bank account before the start of the training and receipts sent to info@macskillsdevelopment.com