Description

This training will allow you to know the different categories of risks linked to personal loans. You will develop the right reflexes for a relevant interpretation of the financial and asset situation of your borrower clients.

Who is this training for ?

For whom ?

Bank assistant, bank advisor and any employee marketing consumer and/or real estate credit.

Prerequisites

Training objectives

Know the different categories of risks linked to loans to individuals

Use the right criteria for the analysis of these risks

Develop the right reflexes for a relevant interpretation of the borrower's financial situation

Know how to argue a credit decision

Training program

• Identify the main risk categories
  • Risks linked to the borrower and the financed asset.
  • Legal and regulatory risks.
  • Margin and interest rate risk.
  • Commercial risk and administrative risk.
  • Practical work Assessing the risks of a loan.
• Know the characteristics of a credit contract
  • The basic contract.
  • Consumer protection.
  • Risk indicators.
  • The key articles of the Code of Consumption.
  • TEG and usurious rates.
  • Practical work Study a credit contract.
• Analyze the borrower's personal situation
  • The preparation of the "Identity card".
  • Legal capacity.
  • The matrimonial regime and its consequences on borrowers' commitments.
  • Practical work Examples of real situations.
• Study the financial and asset situation
  • The data used to understand the financial situation.
  • The determination of the debt capacity.
  • The calculation of the maximum monthly repayments.
  • The banking situation of the borrower.
  • Practical work Study the financial situation.
• Take professional situation into account
  • The importance and limits of the analysis of the professional situation.
  • The analysis of debt or the forecast evolution of risks.
  • Practical work Building the borrower's profile.
• Know how regulated credits work
  • The PEL and CEL.
  • The PTZ +.
  • The approved loan and the social accession loan.
  • Practical work Construct a comparative table of credit terms.
• Ask for guarantees
  • The role of guarantees vis-à-vis the borrower and the risk of non-repayment.
  • The role of guarantees vis-à-vis the lender.
  • Real securities: pledge, pledge, mortgage.
  • The individual and mutual guarantee.
  • The place of insurance in guarantees.
  • Works practices What guarantees should I ask for?
• Synthesize and decide
  • The relationship between the type of financing and the points to be analyzed.
  • The identification of the primary and secondary points.
  • Practical work The taking of decision.