Banking and
Finance courses
Banking Products & Segments
Retail Banking Products: Credit Cards, Personal Loans, Auto Loans, Home Loans, Transaction Accounts, Deposits, Insurance & Investment Products
Alternate Channels: Online, Mobile, ATMs, SMS banking
Marketing of these different products and through alternate channels
Different banking segments: Personal Banking, Priority / Wealth Management, Private Banking
Target products & solutions for each segment
Overview of Islamic products
Credit Policies
Credit Policies of asset products in a simplified manner
Different surrogate programs
Documents required
Checklist
Target market
MIS & Analytics skills; Database Marketing
Background and concept of MIS and why it is required
Simple MIS skills
Difference between reporting or MIS and Analytics
Analytics in detail
Concept and importance of Database Marketing
Database Marketing, Business Intelligence and Customer Life cycle Management
Trade Finance
Background and concept of Trade Finance
Different TF Products: LCs (import & export), Overdraft, Trust Receipts, STL, MTL
Guarantees, Bonds
Fees and charges
Assessment of facilities and assignment of limits
SME Lending
Introduction to SME lending- types of financial support
Credit assessment – qualitative aspects to be examined
Overview on Trade Finance Products
Credit Assessment – Quantitative aspects – Bank Statement method/Financial Statement Method
Assessment of Working Capital Limits, specially trade finance
Finalisation of Limit structure and eligibility criteria for various products, suitability of the product to the clients’ requirement
Evaluating top up and buyout loans
Security and Collateral Package
Monitoring and identifying early warning signals
Credit Appraisal Using Excel
Overview of Credit Appraisal
Advanced Excel tools used in Credit Appraisal; Data Tables, Goal Seek, Nested Ifs, NPV & IRR, etc
Business Structure & Revenue modeling
Modeling for & projecting operating expenses
Projecting key schedules including debt/interest, depreciation, working capital and equity
Stepwise projection of income statement, balance sheet and cash flows
Ratio analysis and common size analysis
Create credit covenants check analysis
Sensitivity analysis using Data tables
Cash Management
Cash and profit – striking a balance between cash, payments and profits
Cash flow cycle – Receipt Cycle and Disbursement Cycle
Float management
Cash flow statements
Fund flow statements
Preparing cash flow statements
Cash from operating, investing and financing activities
Cash flow forecasts and cash budgets
Master budgets and cash flow
Optimal cash holding
Liquidity analysis
Cash-focused performance analysis
Financing cash flow
Short-term financing alternatives
Foreign exchange markets
Commercial Financing (Retail)
Information about the UAE Commercial Financing Market
UAE Central Bank directives and laws related to Commercial Financing
Major Banks and Finance Companies operating in Commercial Financing
Bank specific training: Credit Policy, Sales approach, Strategy for Commercial Financing
Real Estate Financing (Retail)
Information about the UAE Real Estate Market
UAE Central Bank directives and laws related to Real Estate Financing
Major Banks and Finance Companies operating in Real Estate Financing
Bank specific training: Credit Policy, Sales approach, Strategy
Other Courses
Basic Credit Appraisal and Proposal Writing skills (2 days course)
Credit Monitoring and Early Warning Signals (one day course)
Contract Finance - Level 1 (2 days course)
Contract Finance - Advanced level (2 days course)
