e LEARNING

Profitability and Credit Risk

LENDING WITHIN THE CONTEXT OF THE FINANCIAL INSTITUTION’S CREDIT POLICY

COURSE Lending professionals must understand the role of banks and other financial
institutions in society and the economy. They need to know the different types of
OVERVIEW &
risk that their financial institution regularly faces and how they can directly support
BENEFITS enterprise-wide risk management and strategy.
DUR AT I ON
Profitability and Credit Risk (PCR) teaches essential skills for quantifying and
8 - 10 hours monetizing risk while structuring loans that maximize profitability in a highly
competitive, highly regulated environment.
Participants learn about the role that banks and other financial institutions play
in facilitating the exchange of money around the world, how and why they are
regulated, and the components of and risks in their balance sheets. The course
then examines the different approaches financial institutions take to measure and
manage market, credit and operational risks.
DE LI V E RY CHANNEL Lastly, participants learn how an institution’s risk appetite guides its market strategy
and reflects its goal to balance risk and profitability at the individual loan and
eLearning portfolio levels.

LEARNING Understand the role that banks and other financial institutions play in the global
economy, the risks they encounter in the normal course of business, and the
OBJECTIVE
regulatory considerations that impact their daily operations and risk appetite.

Course Modules: COMPETENCIES Participants will be able to:

GAINED • Explain how the recommendations set forth in the Basel Accords impact
1 Risk and Banking financial institutions’ treatment of market, credit and operational risks, and
their calculation of the risks associated with various asset classes
2 Credit Risk and
• Improve loan quality by better understanding the relationship between the
Regulation
financial institution’s risk appetite and its overall strategy
3 Credit Portfolio • Maximize profitability by pricing loans more precisely without taking undue
Management risks
• Identify how credit risk relates to individual loans and its potential impact upon
a credit portfolio, and the various risk mitigation methods

TARGET PCR is suitable for anyone involved in the commercial lending process, including
credit analysts, underwriters and relationship managers, and anyone involved in the
AUDIENCE
second line of defense, such as loan reviewers and auditors. It is also appropriate for
business analysts who gather and analyze data at the portfolio level.

This course is on the path to the Moody’s Certificate in Commercial Credit (CICC).

IN

COMMERCIAL CREDIT

Profitability
FOR

Contact us for more Commercial

Lending
Problem
Loans and Credit
Certification
Exam
CICC
information at:
MOODY’S ANALYTICS CERTIFIES

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C E R T I F I C AT I O N

Ari Lehavi
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elearning@moodys.com
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EXECUTIVE DIRECTOR, MOODY’S ANALY TICS

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