Description
Certification Name: Certificate in Credit Risk Specialist
Course Id: CCRS/Q0001.
Eligibility: Graduation or Equivalent.
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.
Duration: Three Month.
How to Enroll and Get Certified in Your Chosen Course:
Step 1: Choose the course you wish to get certified in.
Step 2: Click on the “Enroll Now” button.
Step 3: Proceed with the enrollment process.
Step 4: Enter your billing details and continue to course fee payment.
Step 5: You will be redirected to the payment gateway. Pay the course and exam fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.
Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.
Step 7: Once you complete the course, take the online examination.
Step 8: Upon passing the examination, you will receive:
• A soft copy (scanned) of your certificate via email within 7 days of examination.
• A hard copy (original with official seal and signature) sent to your address within 45 day of declaration of result.
Step 9: After certification, you will be offered job opportunities aligned with your area of interest.
Online Examination Detail:
Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.
| Marking System: | ||||||
| S.No. | No. of Questions | Marks Each Question | Total Marks | |||
| 1 | 10 | 5 | 50 | |||
| 2 | 5 | 4 | 20 | |||
| 3 | 5 | 3 | 15 | |||
| 4 | 5 | 2 | 10 | |||
| 5 | 5 | 1 | 5 | |||
| 30 | 100 | |||||
| How Students will be Graded: | ||||||
| S.No. | Marks | Grade | ||||
| 1 | 91-100 | O (Outstanding) | ||||
| 2 | 81-90 | A+ (Excellent) | ||||
| 3 | 71-80 | A (Very Good) | ||||
| 4 | 61-70 | B (Good) | ||||
| 5 | 51-60 | C (Average) | ||||
| 6 | 40-50 | P (Pass) | ||||
| 7 | 0-40 | F (Fail) | ||||
Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:
Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.
Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.
Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.
Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.
Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.
Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.
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.
