Description

This course will introduce you to the different stages of creating a consumer credit file, in its administrative, regulatory and technical aspects. He will show you how to build a credit file while respecting the law and ethics.

Who is this training for ?

For whom ?

Customer service representatives in the bank. Employees of the Compliance, Legal, Risk and other departments, concerned with the granting or control of consumer credit.

Prerequisites

Training objectives

• Know the steps in creating a consumer credit file
• Understand the legal context of consumer credit
• Create a credit file in compliance with the law and ethics
• Know the advisor's obligations

Training program

• Understand the legal context of consumer credit
  • The Lagarde law of July 1, 2010: customer protection measures and those concerning transparency.
  • The loans concerned: the customer's needs, the types of goods financed.
  • Exclusions.
  • OPC: the prior OPC credit offer.
  • Practical work Exchange: orient yourself in the legislation in force.
• Know the advisor’s obligations before signing the contract
  • Commercial responsibility depending on the distribution channel: agency, financial canvassing, distance selling.
  • The obligation to inform the customer before signing the contract.
  • The information sheet.
  • Evaluate the solvency of a customer.
  • Practical work rnRole play: simulation of a discovery interview (client / banker).
  • Study of an information sheet for a credit application.
• Discerning the contractual obligations of the financial partner
  • Drafting the credit contract: conclusion, reflection, withdrawal.
  • The content of the contract: general points to be explained.
  • Specificity of personal loans.
  • Specificity of revolving credits.
  • Specificity of LOA: Rental with Purchase Option.
  • Case of overdraft in account.
  • The marital status and the solidarity or not of the contracting parties: marriage, PACS, cohabitation.
  • Practical work Setting up a credit transaction.
  • Drafting the credit contract.
• Understand the post-contractual obligations of the financial partner
  • The rights and obligations of the borrower: obligation to repay and early repayment.
  • The rights and obligations of the lender: obligation to inform guarantors and observe the BdF file.
  • Potential contractual modifications.
  • How to prevent borrower default? The concept of over-indebtedness and the main principles of an over-indebtedness procedure.
  • Practical work Identification of events that could impact the life of the credit.