Moody's Certificate in Commercail Credit

in association with
Moody’s Certificate in Commercial Credit

Moodys Certificate In Commercial Credit (CICC)
Best practices and skills for world-class lending assessment and credit judgment
A three-course curriculum focused on technical skills development that

demonstrates your certification holders have reached a global standard in
commercial credit assessment.
The certification provides learners with the full spectrum of skills and
knowledge in commercial credit. Learners will be able to:
✓ Analyze an obligor, mitigate risk and recommend the optimal loan
solution.
✓ Monitor loans and Identify early warning signals
✓ Better understand the balance between profits and risk in the credit
portfolio
✓ Stay competitive and price credit facilities to compensate for risk while
maximizing profitability
Moodys Certificate In Commercial Credit (CICC)
Best practices and skills for world-class lending assessment and credit judgment
Overview – The Moody’s Analytics Certificate in Commercial Credit (CICC) leverages Moody’s deep expertise in risk management to certify the achievement of the highest
standards of competence in credit analysis and loan decisions. First and foremost, the CICC seeks to establish a foundation of best practices in commercial lending. The
programme then extends into more advanced skills in loan monitoring and distressed asset remediation. Finally, the CICC instils a robust appreciation for the bank’s risk appetite,
regulatory priorities and capital strategy. This context helps inform day-to-day loan approval and structuring decisions to optimize risk and profitability.
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Certificate in Commercial Credit – 2 Options (Nepal only)
Accelerated learning pathway
New registrations will get direct access to the new upgraded CICC programme which is the best of both
worlds – Omega & Moody’s courses
Existing learners who have completed CLB + FAL (Omega CSA programme) within the last 3 years (since
2018) – we will apply exemption to SKIP commercial lending course. They will only take Problem Loans, and
Profitability & Credit Risk courses + Certificate Exam – to fast track to complete CICC programme.
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The next generation of Commercial Lending combines the best of the Moody’s Analytics flagship course with Omega Performance’s offering–both recognized
as leading solutions in the market. From evaluating and analyzing opportunities to making sound decisions and structuring loans, the new best of breed
course is foundational in bolstering a credit professional’s proficiency in the field.
1. CREDIT AND THE DECISION 1. Integrated Analysis and Decision Making Examine the importance of the lender’s role and explore a
consistent and deliberate framework for analyzing commercial
PROCESS 2. Credit Analysis Scope and Framework lending opportunities.
Prepare for a complete and successful analysis by identifying the
2. PRELIMINARY 1. Opportunity Assessment
key elements of the opportunity, uncovering the true borrowing
ASSESSMENT 2. Businesses and their Borrowing Needs need, and gathering the information needed to proceed.
3. INDUSTRY AND BUSINESS

1. Economic and Industry Risk Assess a business’s susceptibility to the marketplace conditions,
2. Competition and evaluate the risks associated with a business’s size, market
RISK ANALYSIS 3. Business Risk position, product-market match, and bargaining power.
4. MANAGEMENT RISK 1. Management Assess the adequacy, competency, and integrity of a borrower's
ASSESSMENT 2. Integrity, Skill, and Execution management team.
1. Sales and Profitability

2. Activity and Liquidity Ratios Assess the risks associated with the borrower’s financial
5. FINANCIAL RISK 3. Capital Spending and Leverage condition, and evaluate the likelihood that the borrower will
ASSESSMENT 4. Cash Flow Analysis and Debt Service generate the cash needed to repay the proposed loan as agreed.
5. Projections and Credit Risk Assessment
Develop critical-thinking skills while applying a logical, repeatable
6. INTEGRATED ANALYSIS 1. Synthesize and Hypothesize
process to synthesize all of the quantitative and qualitative
AND DECISION-MAKING 2. Analyze, Sensitize and Decide information gathered and make a sound lending decision.
Examine the importance of strengthening the lender’s position by
7. RISK MITIGATION THROUGH 1. Deal Structuring and Credit Enhancements
appropriately pricing the facility, selecting covenants and covenant
LOAN STRUCTURE 2. Structure Risk Mitigation levels that will provide early warning of increased risk.
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ABOUT US
Moody’s Analytics helps capital markets and risk management professionals worldwide respond to an evolving
marketplace with confidence. The company offers unique tools and best practices for measuring and managing risk
through expertise and experience in credit analysis, economic research and financial risk management. By providing
leading-edge software, advisory services, and research, including the proprietary analysis of Moody’s Investors Service,
Moody’s Analytics integrates and customises its offerings to address specific business challenges.
© 2021 Moody’s Analytics, Inc. and/or its licensors and affiliates (collectively, “MOODY’S”). All rights reserved. ALL INFORMATION CONTAINED HEREIN IS PROTECTED BY COPYRIGHT LAW AND NONE OF SUCH INFORMATION
MAY BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH
PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY’S PRIOR WRITTEN CONSENT. All information contained herein is obtained by
MOODY’S from sources believed by it to be accurate and reliable. Because of the possibility of human or mechanical error as well as other factors, however, all information contained herein is provided “AS IS” without warranty of any
kind. Under no circumstances shall MOODY’S have any liability to any person or entity for (a) any loss or damage in whole or in part caused by, resulting from, or relating to, any error (negligent or otherwise) or other circumstance or
contingency within or outside the control of MOODY’S or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication or delivery of
any such information, or (b) any direct, indirect, special, consequential, compensatory or incidental damages whatsoever (including without limitation, lost profits), even if MOODY’S is advised in advance of the possibility of such
damages, resulting from the use of or inability to use, any such information. The credit ratings, financial reporting analysis, projections, and other observations, if any, constituting part of the information contained herein are, and must
be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, sell or hold any securities. NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS,
COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY SUCH RATING OR OTHER OPINION OR INFORMATION IS GIVEN OR MADE BY MOODY’S IN ANY FORM OR MANNER
WHATSOEVER. Each rating or other opinion must be weighed solely as one factor in any investment decision made by or on behalf of any user of the information contained herein, and each such user must accordingly make its own
study and evaluation of each security and of each issuer and guarantor of, and each provider of credit support for, each security that it may consider purchasing, holding, or selling.

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Moody's Certificate in Commercail Credit

Uploaded by

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Available Formats

in association with

Moody’s Certificate in Commercial Credit

A three-course curriculum focused on technical skills development that

3. INDUSTRY AND BUSINESS

1. Sales and Profitability

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