Description

Course Name: Certified Credit Risk Specialist

Global Occupational Skill Standard – GOSS ID: GOSS/BAF/CCRS/V1

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

Objective: The Certified Credit Risk Specialist course is designed to equip finance professionals, credit analysts, and banking personnel with in-depth knowledge and practical tools to manage credit risk effectively. The course focuses on assessing borrower creditworthiness, structuring and monitoring credit exposure, regulatory compliance, and risk mitigation strategies to minimize potential loan losses and ensure portfolio health.

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: Definition and Importance of Credit Risk, Types of Credit Risk (Default, Settlement, Concentration), Role of Credit Risk in Financial Institutions, Overview of Credit Risk Frameworks, Regulatory Guidelines (Basel Norms), Objectives of Credit Risk Management.

Module 2: Credit Risk Assessment and Analysis: Understanding Borrower Profiles, Financial Statement Analysis, Credit Scoring Models and Techniques, Industry and Business Risk Evaluation, Cash Flow Analysis and Forecasting, 5 Cs of Credit (Character, Capacity, Capital, Collateral, Conditions).

Module 3: Credit Risk Measurement Tools: Probability of Default (PD), Exposure at Default (EAD), Loss Given Default (LGD), Credit Valuation Models (Z-score, KMV Model), Credit Risk Rating Systems, Risk-adjusted Return on Capital (RAROC).

Module 4: Credit Policy and Loan Structuring: Credit Policy Development and Implementation, Loan Structuring and Documentation, Collateral Evaluation and Security Creation, Credit Limits and Covenants, Pricing of Credit Products, Early Warning Signals and Monitoring Mechanisms.

Module 5: Credit Risk Mitigation Techniques: Credit Insurance and Guarantees, Netting and Collateral Management, Credit Derivatives and Securitization, Portfolio Diversification and Concentration Risk, Credit Enhancements, Use of Technology in Risk Mitigation.

Module 6: Monitoring, Recovery and Regulatory Compliance: Ongoing Credit Monitoring and Reviews, Non-Performing Assets (NPAs) Management, Loan Restructuring and Recovery Strategies, Reporting to Credit Bureaus and Regulators, Regulatory Requirements and Basel Accords, Case Studies in Credit Risk Management.

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.