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Understanding Credit Risk

In this eLearning module on Understanding Credit Risk, you will learn about why measuring Credit Risk is important for banks, how to calculate Credit Risk for loans, investments and off-balance sheet items, and learn about Credit Concentration Risk.

 

Coverage and structure for eLearning module

 

Topic

Sub-topic

Importance of Credit Risk  
  • What is credit risk
  • Forms of credit risk
  • RBI Study on credit management

Credit Risk Measurement- On balance sheet items
  • Approach used for measurement
  • Introduction to risk weights, RBI requirement for risk weights
  • Categorisation of bank’s investments
  • Capital charge for trading and banking books
  • Computation of credit risk weighted assets (CRWA)

Credit Risk Measurement- Off balance sheet items
  • Off balance sheet items
  • Risk weighted off balance sheet exposure- market and non-market related exposure
  • Market related off balance sheet exposure explained with the help of an example
  • Credit Conversion factors for non-market related off balance sheet items
  • Example explaining CCF
  • Explanation of default risk and CVA risk
  • Internal risk management framework

Credit concentration risk
  • What is Credit concentration risk
  • RBI exposure norms
  • Large exposure framework guidelines issued by RBI
  • NPA’s across various sectors
  • Real life case study for managing credit concentration risk
  • Real life Case study explaining failure of bank due to non-management of credit risk

 

 

Module Fees: Rs. 2500/-                                  Access period: 3 months                                 Learning time: 3 hours

 

 

Steps to purchase

 

  • Go to CRISIL Learning platform https://training.crisil.com/
  • On https://training.crisil.com/ (CRISIL Learning platform) – sign up to create your unique login ID and password
  • Once your account is set up, search for "Understanding Credit Risk" from the search bar
  • Select the e-learning module - Understanding Credit Risk, and click on buy now; it will get added to your cart
  • Click on 'Cart' and purchase the module(s) with your debit or credit card
Detailed steps

Features of eLearning modules:

 

 

Real life case studies

 

Real life case studies built leveraging our expertise in research, ratings & risk solutions

 

Expert Speak

 

Insights incorporated in eLearning, based on 15+ years of classroom training experience

 

Glossary & Resources

 

End to end structure comprising basic definitions to advanced readings

 

Visuals for workflows

 

Use of visuals to show a complex process or workflow

 

Interactive examples

 

Interspersed with practice exercises and interactive examples to help apply concepts

 

Knowledge checks

 

Knowledge checks at the end of each topic to ensure absorption of concepts

 

Animations

 

Animations & Characters to make complex concepts easy to learn

 

Gamification

 

Final assessment questions & gamification at the end of the module to ensure learning objectives are met