Portfolio Management for Relationship Managers

The Portfolio Management for Relationship Managers Course covers

• The key skills, knowledge and insights to manage Commercial, Corporate and Institutional credit exposures, manage portfolio risk, generate profits and ensure sustainable Returns on Equity (RoE)

• Understanding the credit risk strategy and significant credit risk policies of the bank and their impact on Client Relationships

• Deal or No deal: From initial deal assessment strategies and questions to ask at every stage of the deal cycle

• Delegated Authorities, Segregated Duties and working as a Credit Management Team to protect to the Client, Manager and Lender

• Who to engage with and when? How to engage? Workshop, paper, briefing note or proposal?

• Default probability, The Recovery rates, Direct versus contingent exposure and the expected loss, Credit Valuation Adjustments, Debit Valuation Adjustments, and Own Credit Risk Adjustment and more

• Detailed guide to writing up the credit paper, from first engagement to finished product

• Credit Risk and Risk classes for Banks and Regulated Lenders and the Transactions that create Credit Risk

• Balance Sheet basics, what to look for and where to find it; from affordability and revenue assessments to sustainability, loan Impairment and how Loan-Loss Accounting, Regulatory Requirements for Loan-Loss Reserves impact each deal………AND MORE

What the course is about

It covers Commercial, Corporate and Institutional Banking Client Relationship & Portfolio Management and (almost) everything you need to know in-between, to run a profitable and sustainable portfolio of clients within the Bank or Lenders Credit Risk Management Business

The course covers such valuable topics including

• Tips and advice on properly managing credit exposures and day to day activities to manage portfolio credit risk, generate profits and sustainable Returns on Equity (RoE)
• Understanding the credit risk strategy and significant credit risk policies of the bank and their impact on Client Relationships
• Delegated Authorities, Segregated Duties and working as a Credit Management Team to protect to the Client, Manager and Lender
• Who to engage with and when? How to engage? Workshop, paper, briefing note or proposal?
• The customers contract with the bank, documentation, and the importance of getting it right
• The specialised nature of Transactions and Risks within Commercial, Corporate and Institutional Banking and the risks they carry versus general bank credit and lending

Pricing for risk

• Observing the rules governing transactions that generate credit risk
• Default probability, The Recovery rates, Direct versus contingent exposure and the expected loss and more
• Credit Valuation Adjustments, Debit Valuation Adjustments, and Own Credit Risk Adjustment
• Writing up the credit paper from first engagement to the finished product
• A Step-by-step walk-through from who to engage and when; Workshop, paper, briefing note or proposal?
• Credit Risk and Risk classes for Banks and Regulated Lenders and the Transactions that create Credit Risk
• The Balance Sheet basics, every RM should know, from affordability and revenue assessments to sustainability, loan Impairment and how Loan-Loss Accounting, Regulatory Requirements for Loan-Loss Reserves impact the final deal

The Portfolio Management for Relationship Managers course is essential for anyone looking to understand, how to properly manage and structure a portfolio of credit exposures that generates profit and meets RoE the organisations requirements, with key insights and practical knowledge into how different Transaction ‘families’ generate different types of Credit Risk and banking ‘best practise’ to manage credit exposures across the portfolio.

No specific pre-requisites

While there are no specific pre-requisites to attend this course, it assumes a basic or minimum understanding or exposure to the elementary concepts and terms associated with Credit Risk Assessment. The Course is ideally suited to the following roles or descriptions

• Aspiring and new-to-role Relationship Managers and bankers & high-potential credit officers looking for the next career step toward managing their own portfolio of SME, Commercial or Corporate clients
• Credit Risk Management professionals already in the role to refresh and update the practical and theoretical the skills and knowledge needed to effectively manage a portfolio of SME, Commercial or Corporate customers on behalf of a Bank or Regulated Lender.
• Chief Risk/Information & Security Officers, Fraud Risk & Regulatory Affairs Heads & Senior Leaders
• Risk Officers,  Chief Lending Officer, Commercial and Mortgage Lending Directors, Trust Executives, Wealth Management Executives, Acquisitions & Development Executives
• Lending Executives, Fraud Risk Executives, Leaders & Managers
• Commercial Loan & Servicing Managers and Officers, Consumer Loan Manager and leaders

The MasterClass course consists of Twelve Modules (or Sessions), delivered in a live Class-based session, or Online.Read our online page for more details on how our OnLine Training works, 

Session 1 - Introduction to Relationship & Portfolio Management
Session 2 - Credit Risk and the Transaction Families that generate Risk for Banks and Regulated Lenders
Session 3 - The Key's to Relationship Management and Managing a Portfolio
Session 4 - Credit Management vs Credit Policy
Session 5 - Credit Portfolio Management - Balance Sheet Basics and the Key Concepts Lending Risk
Session 6 - Credit Portfolio Management – Deal or No deal: Performing the basic assessment
Session 7 - Credit Portfolio Management – Building the Proposal
Session 8 - Credit Portfolio Management – Understanding Risk Grading, Financial and security cover
Session 9 - Credit Portfolio Management – Writing the Credit Paper
Session 10 - Credit Portfolio Management – Following the underwriting and approval decision
Session 11 - Credit Portfolio Management - Post approval life Cycle of a loan
Session 12 - Credit Portfolio Management - Managing A deteriorating Credit Portfolio

(please contact Solveworx for the full course brochure)