Principles of Credit

5 Days

SAR 7800

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Course Dates

Start Date: 29 June 2025
End Date: 3 July 2025
Language: Arabic
Location: Riyadh
Start Date: 12 October 2025
End Date: 16 October 2025
Language: Arabic
Location: Jeddah
*Prices do not include value added tax
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Course Objectives
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Course Outline
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Target Competencies
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Course Methodology
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Target audience

    At the end of the training program, the participants shall be able to:
  • Know the factors affecting the bank's ability and willingness to lend
  • Carry out administrative and technical duties for the Facilitation and Credit Officer
  • Understand the concept of credit risk
  • Documenting facilities and types of guarantees
  • Classifying debts in line with the bankโ€™s interest and policies

    Factors affecting the Bank ability& Willingness to Grant Loans.
    • Internal Factors
    • External Factors
    Credit Officer Role
    • Required Effort
    • Credit Officer Characteristics
    Principles of Credit
    • debtor
    • The legal status of the debtor
    • The amount of credit
    • Character-Legal Status-Amount-Purpose-Source of Repayment-Collateral.. ...
    Concept of Credit Risks
    • Risk Assessment Management and Types of Risks
    • Basel II Approach to Credit Risk
    • Ways to reduce Credit Risk
    Transaction Structuring
    • Structuring Process
    • Asset Conversion Cycle
    • Operating Cycle & Credit Gap
    Types of Banking Facilities.
    • Banking Facilities (direct & indirect)
    • Types of Banking Facilities.
    Documenting facilities and types of guarantees
    • Loan Agreement
    • Specification of Acceptable Collateral
    • Types of Collateral
    Credit Administration & Credit Control.
    • Control over granting & Renewal of Credit
    • Monitoring over the use of credit
    • Oversight Collateral
    • Monitoring total Facilities Portfolio
    Rating Debt
      Treatment of bad debt
        Retail Credit Products

  • Bank facilities
  • Principles of Credit
  • Treatment of bad debt
  • Risk assessment and management

    Principles of Banking Credit training course will be carried out through the use of best practices and the right combination of engaging and purposeful tools such as:
  • Practice Principles of Banking Credit
  • Presentation and discussions
  • Questions and inquiries
  • Practical applications
  • Cases study
  • Working groups and presentation of results
  • Training films related Principles of Banking Credit
  • Role-playing
  • Appropriate individual and group mental activities and competitions
  • Self-assessment
  • Final projects

The employees assigned to deal with bank credit, and those who are intended to be qualified for this purpose.

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