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HHMFB CREDIT RISK ANALYST ONBOARDING COURSE
Welcome to HHMFB
Overview of HHMFB’s Commitment to Financial Inclusion and Responsible Lending.
The role of credit risk management in maintaining financial sustainability.
Ethical considerations in credit risk analysis.
Key Takeaways from this Module
Overview of HHMFB’s Credit Products and Lending Policies
Types of credit products offered: personal loans, SME financing, asset-based loans, etc.
Eligibility criteria and loan application processes.
Risk Based Lending and Customer Segregation
Role of a Credit Risk Analyst in HHMFB’s Success
Evaluating and mitigating risks associated with lending.
Ensuring compliance with internal and external credit policies.
Collaboration with other departments (e.g., customer service, collections, compliance).
Risk Assessment Methodologies and Credit Scoring Models
Introduction to credit risk assessment frameworks (5Cs of Credit, PD, LGD, EAD).
Credit scoring techniques and use of risk-rating models.
Assessing customer creditworthiness using data and analytics.
Regulatory Compliance and Risk Mitigation Strategies
Understanding regulatory bodies and compliance requirements (CBN, NDIC, AML laws).
Mitigating risks through proper due diligence and KYC (Know Your Customer) practices.
Identifying red flags in loan applications and transactions.
Job Description for Credit Risk Analyst at HHMFB
Understanding the Role of a Credit Risk Analyst
Key Responsibilities of a Credit Risk Analyst
Essential Skills for Credit Risk Analysts
Key Performance Indicators (KPIs)
Analyzing Financial Statements and Assessing Creditworthiness
Key financial ratios for evaluating credit risk (debt-to-income, liquidity, solvency ratios).
Interpreting balance sheets, income statements, and cash flow reports.
Assessing borrower repayment capacity and financial stability.
Handling Defaults, Debt Recovery, and Non-Performing Loans (NPLs)
Early warning signs of potential defaults and proactive risk mitigation.
Strategies for loan restructuring and negotiation with distressed borrowers.
Debt recovery processes and legal frameworks for non-performing loans.
Fraud Detection and Anti-Money Laundering (AML) Measures
Recognizing fraudulent loan applications and suspicious financial activities.
Implementing AML policies to prevent financial crimes.
Reporting obligations and escalation procedures for suspected fraud cases.
Assessment
Quiz
Identifying red flags in loan applications and transactions.
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