<table class="altawail-two-col" width="100%"> <tbody> <tr><!-- Column 1 --></p> <td width="47%"><strong>What will I benefit?</strong></p> <p>This course provides participants with the essential knowledge and skills to assess creditworthiness, mitigate risk, navigate credit policies and regulations, and advise clients on credit management practices.</p> <p><strong>Course Objectives:</strong></p> <p style="text-align: right"><strong>At the end of this course, the participants should be able to</strong></p> <ul> <li style="text-align: right">Develop the skills to assess financial health by analyzing balance sheets, income statements, and other key financial documents.</li> <li style="text-align: right">Create comprehensive credit policies, including setting credit terms, payment schedules, and credit limits based on risk assessments.</li> <li style="text-align: right">Understand key credit-related laws, regulations, and compliance standards that govern credit transactions and debt collection.</li> <li style="text-align: right">Coordinate and manage debt collection strategies, negotiate with clients, and resolve overdue debts while maintaining positive relationships.</li> <li style="text-align: right">Advise clients on credit management practices, recommend strategies to mitigate credit risk, and design tailored credit solutions.</li> <li style="text-align: right">Apply risk reduction techniques, including collateral management, credit insurance, and strategic planning to minimize financial losses.</li> </ul> <p><strong>Target Audience:</strong></p> <ul> <li style="text-align: right">Credit Consultants</li> <li style="text-align: right">Financial Advisors and Analysts</li> <li style="text-align: right">Banking and Financial Sector Employees</li> <li style="text-align: right">Credit Risk Managers</li> </ul> </td> <p><!-- GAP Column --></p> <td width="6%"></td> <p><!-- Column 2 --></p> <td width="47%"><strong>Target Competencies:</strong></p> <ul> <li style="text-align: right">Financial Analysis & Credit Risk Assessment</li> <li>Credit Policy Development</li> <li>Client Advisory Expertise</li> <li>Risk Mitigation Skills</li> <li style="text-align: right">Post-Credit Evaluation</li> </ul> <p><strong>Course Methodology</strong><strong>:</strong></p> <p style="text-align: right"><strong>This training course will be carried out through the use of best practices and the right combination of engaging and purposeful tools such as:</strong></p> <ul> <li style="text-align: right">Practical, relevant case studies</li> <li style="text-align: right">Group activities and workshops</li> <li style="text-align: right">Related role plays</li> <li style="text-align: right">Experiential learning</li> <li style="text-align: right">Brainstorming</li> <li style="text-align: right">Stimulating mental activities</li> <li style="text-align: right">Engaging team competitions</li> <li style="text-align: right">Suitable training Videos</li> <li style="text-align: right">Presentations</li> <li style="text-align: right">Self–assessments</li> <li style="text-align: right">Learning with Simulations and Games</li> </ul> </td> </tr> </tbody> </table>

<table class="altawail-two-col" width="100%"> <tbody> <tr><!-- Column 1 --> <td width="47%"> <p style="text-align: right"><strong>Introduction to Credit and Credit Risk Management</strong></p> <ul style="text-align: right"> <li><strong>What is Credit?</strong> <ul> <li>Definition and types of credit (consumer credit, business credit, trade credit, etc.)</li> <li>Importance of credit in the economy</li> </ul> </li> <li><strong>Understanding Credit Risk</strong> <ul> <li>Types of credit risk (default risk, market risk, liquidity risk)</li> <li>Factors that affect credit risk</li> <li>Risk assessment models and frameworks</li> </ul> </li> <li><strong>Overview of Credit Policies</strong> <ul> <li>Role of credit policies in risk management</li> <li>Basic components of a credit policy</li> </ul> </li> </ul> <p style="text-align: right"><strong>Financial Analysis for Credit Assessment</strong></p> <ul style="text-align: right"> <li><strong>Reading and Analyzing Financial Statements</strong> <ul> <li>Income statement, balance sheet, and cash flow statement analysis</li> <li>Key financial ratios for credit assessment (liquidity, profitability, solvency, etc.)</li> </ul> </li> <li><strong>Assessing Creditworthiness</strong> <ul> <li>How to evaluate an individual or business’s ability to repay debt</li> <li>Use of credit scores, credit reports, and financial documents</li> <li>Tools for assessing financial health and credit risk</li> </ul> </li> </ul> <p style="text-align: right"><strong>Credit Policies, Terms, and Legal Compliance </strong></p> <ul style="text-align: right"> <li><strong>Developing Credit Policies</strong> <ul> <li>Establishing credit terms and conditions</li> <li>Setting credit limits, payment terms, and interest rates</li> </ul> </li> <li><strong>Legal and Regulatory Framework</strong> <ul> <li>Key regulations (e.g., SAMA Regulations)</li> <li>Credit reporting agencies and their role</li> </ul> </li> </ul> </td> <!-- GAP Column --> <td width="6%"></td> <!-- Column 2 --> <td width="47%"> <p style="text-align: right"><strong>Credit Policies, Terms, and Legal Compliance -Cont'd- </strong></p> <ul style="text-align: right"> <li><strong>Compliance and Risk Mitigation</strong> <ul> <li>Legal considerations in the credit industry</li> <li>Best practices for ensuring compliance and managing legal risks</li> </ul> </li> </ul> <p style="text-align: right"><strong>Debt Collection and Recovery Strategies</strong></p> <ul style="text-align: right"> <li><strong>Debt Collection Techniques</strong> <ul> <li>Approaches for managing overdue accounts</li> <li>Communication strategies with delinquent clients</li> <li>Negotiation techniques for debt recovery</li> </ul> </li> <li><strong>Debt Recovery Methods</strong> <ul> <li>Understanding different recovery channels (e.g., in-house, external collection agencies)</li> <li>Role of collateral in debt recovery</li> <li>Legal tools for debt recovery (e.g. Bankruptcy proceedings)</li> </ul> </li> <li><strong>Client Relationship Management</strong> <ul> <li>How to maintain strong relationships while managing debt recovery</li> <li>Balancing assertiveness with empathy in debt collection</li> </ul> </li> </ul> <p style="text-align: right"><strong>Client Advisory and Risk Mitigation Techniques</strong></p> <ul> <li style="text-align: right"><strong>Consulting Clients on Credit Management</strong> <ul> <li>Assessing clients’ credit needs and advising on credit options</li> <li>Creating customized credit solutions for clients</li> </ul> </li> <li style="text-align: right"><strong>Risk Mitigation Strategies</strong> <ul> <li>Risk reduction techniques (e.g., collateral, credit insurance, diversification)</li> <li>Monitoring and managing credit exposure over time</li> </ul> </li> <li> <p style="text-align: right"><strong>Building Long-Term Client Relationships</strong></p> <ul> <li style="text-align: right">Providing ongoing support and guidance to clients</li> <li style="text-align: right">Developing loyalty and trust through effective credit advice</li> </ul> </li> </ul> </td> </tr> </tbody> </table> <ul> <li style="list-style-type: none"></li> </ul>