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Page 1
Programme title:
Programme code:
Teaching mode:
NFQ level1:
Programme (total) ECTS2:
Programme modules:
Recommended sequence for registration of modules:
Entry requirements:
Typical course duration:
Professional Diploma in Retail Banking Credit & Service
PDBUS010
Part-time
Level 7 (Undergraduate)
30 ECTS
• Principles of credit assessment
• Credit Application Negotiation, Documentation and Financing Alternatives
• Monitoring and Identifying Early Warning Signs of Financial Distress
• Introduction to Retail Banking Regulation (UK), Products and Services
• Retail Banking Product and Service Regulatory Requirements (UK)
• Retail Banking Conduct Risk and Customer Service Practice
Note: the modules will run as follows for 2016-17:
Semester 1, 2016-17 (Jan 2017 exams)
• Principles of credit assessment• Introduction to Retail Banking Regulation (UK), Products and Services
Semester 2, 2016-17 (May 2017 exams)
• Credit Application Negotiation, Documentation and Financing Alternatives• Retail Banking Product and Service Regulatory Requirements (UK)
Semester 3, 2016-17 (Sept 2017 exams)
• Monitoring and Identifying Early Warning Signs of Financial Distress• Retail Banking Conduct Risk and Customer Service Practice
Please note that the Principles of Credit Assessment module must be completed prior to the following two modules:
• Credit Application Negotiation, Documentation and Financing Alternatives• Monitoring and Identifying Early Warning Signs of Financial Distress
The minimum second level educational requirements for entry are as follows:
• Five passes in the Leaving Certificate, including English and Mathematics• Five O Level/GCSE passes, including English Language and Mathematics
The Institute will also consider applications on a mature candidate basis from applicants who are 23 years of age before the date of their application for admission to the programme.
One year if students complete two modules in each semester. There is three semesters in an academic year.
1NFQ: National Framework of Qualifications2ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours
Professional Diploma in Retail Banking Credit & Service
Page 2
Programme learning outcomes:
On completing the Professional Diploma in Retail Banking Credit and Service, it is expected that graduates will be able to:
• Explain the theory and practice underpinning bank retail product and service design and delivery and show how it relates to regulatory compliance and risk management
• Describe the key features of retail bank credit and deposit products and services along with the factors which influence their design, management, delivery and evaluation
• Outline the key funding sources available to SMEs, noting regulatory and legal requirements
• Assess financial information contained within financial accounts in order to ascertain the credit risk of a customer and support the selection of appropriate products and services to meet the customer need
• Appraise regulatory issues for appropriate product and / or service solutions to meet customers’ needs, indicating to customers the features, benefits and risks of bank retail products and services
• Identify situations / contexts where potential regulatory breaches can occur and devise strategies to mitigate conduct risk
• Manage and negotiate with borrowers
• Identify the early signs of credit deterioration for personal and SME customers, evaluate their potential impact and consider courses of action
• Communicate clearly (using appropriate media) with customers demonstrating a customer-centric focus
• Present a lending proposal in a manner which meets the needs of the personal or SME borrower and complies with credit policies
• Compile documentation to advise key stakeholders on bank practice and customer service developments
1NFQ: National Framework of Qualifications2ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours
Professional Diploma in Retail Banking Credit & Service
Page 3
Module title:
Module code:
ECTS1:
Total effort hours:
Delivery method (Must add up to total effort hours):
Assessment:
Pass mark:
Module learning supports2:
Programme Manager:
Programme Manager contact details:
Module learning outcomes:
Principles of Credit Assessment
FIN1067B
5 ECTS
125 hours
This module, which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 125 hours of total student effort, including the MCQ test, recorded lectures, workshops, independent study and examination.
Written paper – exam 100%, duration – 2 hours
40%
Manual, study guide, webinars and two one day workshops
Susan Freeney
Indicative Learning Outcomes:
• Understand Portfolio risk appetite, Credit portfolio management and credit concentration risk
• Explain the canons of lending
• Describe the challenges of SME and personal lending
• Describe the characteristics of business entities
• Understand SME strategy, Industry, Economic and Management team risk assessment
• Understand the Primary Statements in financial reporting
• Analyse financial information - P&L, Balance Sheet and Cashflows;
• Understanding working capital and liquidity
• Prepare and analyse repayment capacity
• Appreciate the implications of financial projections sensitivity analysis
• Understand Credit Scoring in personal lending
• Explain the different types of security and legal issues affecting security
• Explain covenants and conditions precedent
• Describe the Personal lending Channels;
• Appreciate ethics in personal lending including Financial Exclusion & the Consumer Right to Credit, Responsible Lending, Responsible Borrowing and whose Responsibility is Debt
• Personal lending Case Studies including, Mortgage Application, Overdraft, Personal credit card, Car Loan and Personal loan
1ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours. 2Module learning supports - specific module content will be outlined during semester of study and is subject to change. The study guide contains the most up to date information.
Page 4
Module title:
Module code:
ECTS1:
Total effort hours:
Delivery method (Must add up to total effort hours):
Assessment:
Pass mark:
Module learning supports2:
Programme Manager:
Programme Manager contact details:
Module learning outcomes:
Credit Application Negotiation, Documentation and Financing Alternatives
FIN1068B
5 ECTS
125 hours
This module, which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 125 hours of total student effort, including the recorded lectures, workshops, independent study and examination.
Written paper – exam 100%, duration – 2 hours.
40%
Manual, study guide, webinars and a one day workshop.
Susan Freeney
Indicative Learning Outcomes:
• Describe the different forms of financing for SME borrowers
• Describe the different personal credit products available
• Conduct a borrower interview
• Draft and structure credit applications
• Negotiate with borrowers to protect the bank position
• Understand facility letters
1ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours. 2Module learning supports - specific module content will be outlined during semester of study and is subject to change. The study guide contains the most up to date information.
Page 5
Module title:
Module code:
ECTS1:
Total effort hours:
Delivery method (Must add up to total effort hours):
Assessment:
Pass mark:
Module learning supports2:
Programme Manager:
Programme Manager contact details:
Module learning outcomes:
Monitoring and Identifying Early Warning Signs of Financial Distress
FIN1069B
5 ECTS
125 hours
This module, which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 125 hours of total student effort, including the recorded lectures, workshops, independent study and examination.
Written paper – exam 100%, duration – 2 hours
40%
Manual, study guide, webinars and a one day workshop
Susan Freeney
Indicative Learning Outcomes:
• Monitor and identify early warning signs of financial distress
• Control and manage existing personal and SME credit facilities, in particular accounts in arrears
• Assess problem debt and suggest the appropriate resolution options including, liquidation, receivership and administration
• Assess the viability of the personal or SME customer proposition in a compromised credit situation and where appropriate restructure the facility to meet the needs of the customer while protecting the bank
• Make a judgement on when to disengage and exit and outline the recovery options and provision requirements for impairment
1ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours. 2Module learning supports - specific module content will be outlined during semester of study and is subject to change. The study guide contains the most up to date information.
Page 6
Module title:
Module code:
ECTS1:
Total effort hours:
Delivery method (Must add up to total effort hours):
Assessment:
Pass mark:
Module learning supports2:
Programme Manager:
Programme Manager contact details:
Module learning outcomes:
Introduction to Retail Banking Regulation (UK), Products and Services
FIN1073B
5 ECTS
125 hours
This module which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 125 hours of total student effort, including lectures and independent study.
100% two hour, end of semester written examination.
40%
Manual, lectures, and a study guide.
Grace Horan
• Explain the products and services offered by retail banks
• Describe the regulatory infrastructure of the UK financial services industry and the roles and responsibilities of the regulators within a retail banking environment
1ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours. 2Module learning supports - specific module content will be outlined during semester of study and is subject to change. The study guide contains the most up to date information.
Page 7
Module title:
Module code:
ECTS1:
Total effort hours:
Delivery method (Must add up to total effort hours):
Assessment:
Pass mark:
Module learning supports2:
Programme Manager:
Programme Manager contact details:
Module learning outcomes:
Retail Banking Product and Service Regulatory Requirements (UK)
FIN1074B
5 ECTS
125 hours
This module which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 125 hours of total student effort, including lectures and independent study.
100% two hour, end of semester written examination.
40%
Manual, lectures, and a study guide.
Grace Horan
• Describe the conduct of business regulations and other legislation which underpins the sale of retail banking products and services
• Apply their knowledge of the regulatory requirements to the design, sales and post sales activities for retail banking products and services
• Explain the regulation for financial promotion and distance marketing and how it addresses misselling and customer detriment
• Define money laundering and terrorist financing and describe the regulation in place to combat these threats
1ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours. 2Module learning supports - specific module content will be outlined during semester of study and is subject to change. The study guide contains the most up to date information.
Page 8
Module title:
Module code:
ECTS1:
Total effort hours:
Delivery method (Must add up to total effort hours):
Assessment:
Pass mark:
Module learning supports2:
Programme Manager:
Programme Manager contact details:
Module learning outcomes:
Retail Banking Conduct Risk and Customer Service Practice
FIN1075B
5 ECTS
125 hours
This module which is a level 7 (NFQ) 5 ECTS credit module, requires approximately 125 hours of total student effort, including lectures and independent study.
50% continuous assessment and 50% written exam.
• 50% continuous assessment comprising of: - 10% assignment plan - 40% assignment
• 50% end of semester written examination
40%
Study guide, manual and lectures.
Grace Horan
Students will be able to:
• Explain conduct risk and its implications for banking services
• Differentiate between products and services and relate this knowledge to product life cycles
• Explain the role of service standards and measures in the delivery of excellent customer service and the fair treatment of customers
• Determine the types and behaviours of customers and the strategies which financial services organisations can use to effectively communicate with customers
• Differentiate between ethical behaviour and integrity, and explain how ethical behaviours and decision making can improve customer outcomes
1ECTS stands for European Credit Transfer System (ECTS). 1 ECTS = 20/25 total student effort hours. 2Module learning supports - specific module content will be outlined during semester of study and is subject to change. The study guide contains the most up to date information.
