Description

Course Name: Certified Credit Risk Consultant

Global Occupational Skill Standard – GOSS ID: GOSS/M/CCRC/V1

Eligibility: Graduation or Equivalent or minimum 2 years of relevant experience (experience-based learners can directly enroll and certify).

Objective: The objective of the Certified Credit Risk Consultant course is to equip participants with the skills and analytical tools required to identify, evaluate, and manage credit risk in banking and financial services. The course covers credit risk assessment techniques, credit scoring models, loan underwriting, portfolio risk analysis, regulatory frameworks (such as Basel norms), credit policies, and recovery strategies.

Certification: Within 5 days after Completion of Online Assessment.

Get ready to join the Journey to become a GSDCI Certified Professional  – International Certification and Assessment Body.

Steps to become a GSDCI Certified Professional:

Step 1: Select your certification you want to pursue.

Step 2: Click on get certified tab, new pop up window will open.

Step 3: Click on pay certification fee, you will be redirected to billing details page.

Step 4: Fill your details and click on pay certification fee, You will be redirected to payment gateway, pay fee by any available options like Card(Debit/Credit), Wallet, Paytm, Net banking, UPI and Google pay.

Step 5: You will get Login Credentials of Online E-Books and Online assessment link on your email id, within 48 hrs of payment.

Step 6: After completion of the online assessment, the soft copy of your certificate will be sent to your registered email ID within 5 days.

Assessment Modules:

Module 1: Introduction to Credit Risk Management: Definition and types of credit risk, Role and responsibilities of a credit risk manager, Importance of credit risk in financial institutions, Key credit risk indicators and metrics, Relationship between credit risk and other financial risks, Overview of the credit risk lifecycle.

Module 2: Credit Risk Assessment and Analysis: Creditworthiness evaluation techniques, Financial statement analysis for lending decisions, Credit scoring models and systems, Industry and market risk analysis, Qualitative and quantitative credit analysis, Borrower risk profiling and rating systems.

Module 3: Credit Approval and Loan Structuring: Credit approval process and policy frameworks, Loan structuring and covenant design, Documentation and legal considerations, Collateral evaluation and security mechanisms, Pricing for credit risk, Role of credit committees and approval authorities.

Module 4: Portfolio Management and Monitoring: Credit portfolio diversification and exposure limits, Sectoral and borrower concentration risks, Early warning signals and risk triggers, Loan review and account monitoring processes, Use of MIS and analytics in monitoring, Stress testing and scenario analysis.

Module 5: Credit Risk Mitigation and Recovery: Risk mitigation tools (collateral, guarantees, insurance), Credit derivatives and securitization, Collection and recovery strategies, Restructuring and workout solutions, Management of non-performing assets (NPAs), Legal and regulatory aspects of recovery.

Module 6: Regulatory Framework and Best Practices: Basel framework and regulatory guidelines, Internal rating-based (IRB) approach, Compliance and audit in credit risk, Governance and risk culture in lending, Role of technology and automation in credit risk management, Emerging trends and challenges in credit risk.

GSDCI Online Assessment Detail:

• Duration- 60 minutes.
• Number of Questions- 30.
• Number of Questions from each module: 5.
• Language: English.
• Exam Type: Multiple Choice Questions.
• Maximum Marks- 100, Passing Marks- 50%.
• There is no negative marking in any module.

Benefits of Certification:

🌍 1. Global Recognition & Credibility – Stand out worldwide with a certification that opens doors across borders. Trusted by employers, respected by institutions, and recognized in over 100 countries.

📜 2. Quality Assurance through ISO Certification – Certified to global ISO standards, our programs deliver excellence, consistency, and a benchmarked learning experience that speaks for itself.

💼 3. Career Advancement & Employability – Enhances your resume and increases chances of promotions or job offers.

🤝 4. Non-Profit Trust Factor – Certifications from non-profit organizations are mission-driven rather than profit-driven.

📚 5. Access to Verified Learning & Resources – Often includes e-books, mock tests, and online support without hidden costs.

🔍 6. Transparency & Online Verification – Certifications come with a unique Enrolment ID for easy online verification by employers and institutions.

⏳ 7. Lifetime or Long-Term Validity – Certifications usually have lifetime validity or long-term recognition, reducing the need for frequent renewals.