This certificate is designed to provide a Practitioner training to banking experts catering to the financial needs of small and medium enterprises. This Certificate enables bankers to get acquainted with the learning process by empowering participants to think broadly, manage globally and compete strategically. This certificate focuses on all aspects of Banking Credit whether short-term, mediumterm or long- term, it also enables them to understand lending techniques for effective credit decisions.

Why Corporate Banking? Sprint into the world of corporate banking. The financial industry is undergoing various challenges due to geopolitical and economic conditions. The performance of the diverse types of corporations is deeply affected by these conditions year on year. The rise of customer centricity has taken center stage in the financial industry today. Financial institutions are focusing on understanding and meeting the unique needs of their corporate customers, without negatively affecting the quality of their credit by providing tailored financial products and services. Now is the ideal time to immerse yourself in corporate lending and leverage your knowledge to expand your career opportunities.

This Intensive Certificate is the outcome of a collaboration between EBI “the Egyptian Banking Institute, And NYIF “New York Institute of Finance”. It is presented as A Co-Branded Certificate under the Name Of “Corporate Finance Credit Professional Certificate” The Certificate (309 Hours) Aims at Creating a Solid Understanding of Financial Accounting, Credit Risk Analysis, Cash Flow, Projections, Industry Analysis, and Debt Structuring. Participants Will Also Understand the Corporate Finance & Valuation Methods and Gain Comprehensive Knowledge About Corporate Funding Alternatives and Financing Strategies. By the End of The Program, Participants Are Expected to Be Able to Analyze Financial Statements of Different Types of Corporations and Evaluate Their Eligibility to pursue a Finance career. Moreover, throughout the Program, the Participants Will Learn About Trade Finance, Non- Non-Performing Loans, Credit Administration, Basel I & II, in Addition to Legal Aspects That Govern the Scope of Credit Activities. Finally, Participants Will Practice Two Trial Desks Where They Will Be Able to Utilize the Different Tools Learnt During the Program and Apply Them in Real Cases.

This Intensive Certificate is the outcome of a collaboration between EBI “the Egyptian Banking Institute, And NYIF “New York Institute of Finance”. It is presented as A Co-Branded Certificate under the Name Of “Corporate Finance Credit Professional Certificate” The Certificate (309 Hours) Aims at Creating a Solid Understanding of Financial Accounting, Credit Risk Analysis, Cash Flow, Projections, Industry Analysis, and Debt Structuring. Participants Will Also Understand the Corporate Finance & Valuation Methods and Gain Comprehensive Knowledge About Corporate Funding Alternatives and Financing Strategies. By the End of The Program, Participants Are Expected to Be Able to Analyze Financial Statements of Different Types of Corporations and Evaluate Their Eligibility to pursue a Finance career. Moreover, throughout the Program, the Participants Will Learn About Trade Finance, Non- Non-Performing Loans, Credit Administration, Basel I & II, in Addition to Legal Aspects That Govern the Scope of Credit Activities. Finally, Participants Will Practice Two Trial Desks Where They Will Be Able to Utilize the Different Tools Learnt During the Program and Apply Them in Real Cases.

This Credit Analysis Certificate is designed for bank employees aiming to join the credit department, as well as junior credit officers, relationship officers, and managers. The certificate comprises five technical parts: accounting concepts, core credit, lending rationales and facility structure, corporate finance and valuation, and supplementary aspects. It also covers how to use supportive information in credit decision-making. Additionally, the program includes an eLearning component and culminates in a practical module that guides participants through the preparation of a trial desk case. This aims to consolidate group findings and provide recommendations for a final desk case. By the end of the program, learners will have a solid understanding of credit analysis, enabling them to make informed and strategic credit decisions in their professional roles.

The foundation program provides the basis for preparing new hires to work in the banking and financial sector. The knowledge provided by this program is a recommended milestone towards preparing our emerging and future leaders to sustain the production of efficient calibers in the banking sector. Moreover, it serves as the first step towards maintaining Continuous Professional Development (CPD) Programs, helping individuals stay competent with up-to- date knowledge and skills, and committed to lifelong learning. Also, operating banks could allow employment after new hires attend this program.

This course is intended for professionals working in AML/CTF, financial crime deterrence, compliance, risk, internal audit, and client-facing roles. Participants will learn how to strengthen Know Your Customer (KYC) and Customer Due Diligence (CDD) practices by identifying key areas for improvement and implementing effective risk mitigation strategies. The course addresses challenges across all segments of banking from high-net-worth individuals to corporates, SMEs, and other organizational structures.

This program empowers team leaders and managers to master essential leadership skills. By exploring strategic management, effective communication, motivation theories, and efficient time use, participants will enhance their team management capabilities and problem-solving abilities. Applying these techniques will lead to a more productive organization with organized and effective teams.

This advanced course is designe d for banking professionals across departments such as credit analysis, risk management, treasury, internal audit, compliance, financial control, IT/MIS, and for bank examiners. Participants will develop the skills to evaluate the functions of central and commercial banks, analyze financial statements, apply asset-liability management (ALM) techniques, and implement risk management strategies aligned with regulatory frameworks like the Basel accords and Central Bank of Egypt regulations. Through interactive case studies, and assignments, learners will engage in hands-on analysis to enhance their ability to manage financial performance and mitigate banking risks.

This course is designed for Lending Managers, Heads of Departments, and senior staff who aim to enhance their credit-scored lending policies. Participants will learn to implement or improve lending strategies by combining automation and firsthand techniques effectively. They will also refresh their knowledge of lending principles to identify and avoid common mistakes or systemic issues. Through practical insights, case studies, and interactive discussions, the course equips participants with the skills to optimize lending processes and ensure robust, error-free credit systems. Target Audience Heads or Managers in lending and recoveries. All senior and support staff involved in lending and recoveries. Heads and Managers of consumer/personal finance. Heads and Managers in risk and compliance. All senior and support staff involved in consumer/personal finance. Lending Managers/Managers. Compliance & risk staff. Inspection/Audit staff. Anyone with an interest or responsibility for consumer/personal lending and recoveries. Course Objectives By the end of the program, participants will be able to: Explain the origins, principles, and context of consumer credit. Define the role of the Risk Sector and understand the credit policies framework. Conduct Individual Customer Assessments using relevant criteria and data. Describe the purpose and processes involved in Credit Scoring. Identify and utilize key Data and Databases for credit decision-making. Apply Application Scorecards to evaluate creditworthiness. Evaluate scorecard performance to assess accuracy and effectiveness. Use financial forecasting and Basel Rating Models to evaluate risk. Develop and implement effective Credit Strategies for new applications. Discuss strategic applications of scoring in risk management. What data can be confirmed? The Essence of Lending – Sustainable Free Cash Flow. The Role of Collateral. Willingness versus Ability. Terms, Clauses, and Pricing. Using Historic Data. When would a model be appropriate and why? Using Historic Data and the Impact of COVID-19. Case Study – Cash Flows. Case Study – 5 C’s. Module Four: Introduction to Credit Scoring What is credit scoring? Build your credit score and realize the scoring techniques. Score CARD Definition. Score Card Types. 3 Ways to Build Score Card. Why is credit scoring used? Business Context. Integration of Credit Scoring. What would be the input data set? Limitation of Credit Scoring. Relationship to Risk Appetite. Manual Interventions and the Requirements. Outputs versus Outcomes. Case Study – Vision. Module Five: Data and Databases The Nature of Data – Quality and Quantity. Historic Nature of Data. The Impact of COVID-19 on Data. Generic Data Sources. Application Form Data. Record Keeping and Legal Requirements. Credit Reference Data. Uses of Financial Data. Module Eight: Financial Forecasting and Basel Rating Models Forecasting bad debts. Model applications and limitations. Developing EAD, PD, and LGD models. Validation. Module Nine: New Application Credit Strategies Strategy setting. Accept-reject cut-off. Setting product facilities/conditions. Policy rules, referrals, and overrides. Types of referrals. Scoring or making manual decisions. Population stability. Cross-selling. Early redemption. Cost of management. Monitoring new applications. Measuring the impact of overrides. Module Ten: Model Validation The obligations. Sampling. What works in practice? – Model governance life-cycle key steps. Changing the model. Case Study – Credit Risk Models.