Objectives :

  • To familiarize the participants of bank credit fundamentals to enable them to develop their skills and abilities in the effective marketing of products and financing bank and enable them to analyze the bank's customers financing needs and direct clients formats appropriate funding, taking into account customer privacy and economic activity and enable participants to risk analysis and the development of mitigating controls for the possibility of their occurrence.

Contents :

  • The role of banks and their work:
  • The definition of the banking business.
  • The definition of bank credit.
  • Internal and external factors that affect the ability and willingness of the bank in the granting of credit.
  • The development of customer relationship: official
  • The role of the development of customer relationship official RM .
  • The duties and responsibilities of the official RM .
  • Recipes officials RM .
  • Credit Basics
  • The basics of credit ( 's C 5 ) .
  • Personal considerations for the client Character .
  • Efficiency Capacity , Capital Capital , conditions Condition , guarantees Collateral .
  • Credit elements of the study:
  • Borrower.
  • Legal status.
  • The size of the required facilities and currency facilities.
  • The purpose of the facilities.
  • Sources of repayment.
  • The financial situation and guarantees.
  • Dealing with other banks (for new customers) and the history of dealing with the bank (for existing customers).
  • Credit risk:
  • Credit risk types.
  • Industry risks and the risks of the company.
  • Strategic Analysis quartet / SWOT Analysis.
  • Feasibility studies.
  • Practical situations.

The Central Bank of Jordan began in 1965 to study the necessary means of setting up a team for theoretical and practical training aimed at promoting human cadres of the banking and financial sector and study its employees needs and satisfy their desires to advance their scientific and practical abilities . These efforts culminated in the creation of the Institute of Banking Studies in accordance with Article (37) Paragraph (d) of the Central Bank of Jordan Law and in accordance with the Institute,s Articles of Association No. (69) issued on 1970. The Institute   was   officially   inaugurated on   October 9, 1971 and was housed then at the Central Bank,s premises.

In the early 1990,s , the  Institute  witnessed a new stage ; the construction of the Institute,s permanent   headquarter   in  Tla,a  Al  Ali ,  a suburb of the capital  Amman . The complex was constructed on an eight dunums plot of land and comprised of administration units, academic and training activities halls, library, laboratories, cafeteria, health clinic and a multipurpose hall. Also , the Institute has two branches, one in Irbid and the other in Aqaba.  The purpose of  these  branches is to widen the distribution of academic and training activities conducted  by the Institute to cover the various regions of the Kingdom.

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