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Take a confident step towards success in the Credit Advisor Professional Exam with a program that provides you with practical knowledge and applied skills to enhance your performance in the financial sector.
This program represents your opportunity to advance toward professional success in the banking and finance sector. It equips you with in-depth knowledge and practical skills needed to confidently pass the mandatory Credit Advisor Professional Exam. Through its content, you will gain a thorough understanding of various financial products and mortgage financing requirements, develop the ability to read credit reports and work with SIMAH data, and build a solid grasp of operational and credit risks along with effective management strategies. The program also provides essential knowledge of relevant regulations and laws, enhancing your professionalism and opening broader opportunities to deliver high-quality advisory and credit services that strengthen client trust and support your career growth.
Banking
Capital Market
Insurance
Financing
Strategy, Planning, and Quality
Not Exist
Self Learning
Self Learning
Key Services for Individual Clients
Concept of Credit Cards and Charge Cards
Terminology Related to Cards
Rules for Issuing and Operating Credit and Charge Cards
Issuance of Credit Cards and Charge Cards
Credit Limits of Cards
Disclosure of Information
Rights and Obligations of Cardholders
Settlement of Card-Related Disputes
Activity
Self Learning
Consumer Financing Regulations
Transparency and Disclosure
Confidentiality or Privacy of Client Information
Unfair Terms
Annual Percentage Rate (APR) of Commission or Profit
Information on Consumer Financing Agreements and Guarantee Agreements
Activity
Self Learning
Standard Form of Real Estate Financing Product (Ijara / Murabaha)
Mechanism of the Formula
Asset Ownership
Profit Margin
Right of Use of the Asset
Installments
Insurance Fees
Maintenance
Freedom to Dispose of the Asset
Transfer of Ownership
Settlement of Deferred Installments
Early Ownership of the Asset
Late Payment of Installments
Key Rules and Differences Between Murabaha and Ijara Financing
Activity
Financial Leasing
Lease Contract
Daily Lease Regulations
Daily Lease Regulations
Activity
Submission Guidelines 1
Submission Guidelines 2
Submission Guidelines 3
Real Estate Appraisal Fees in Retail Real Estate Financing Contracts
Rules for Standing Payment Orders in Favor of Real Estate Financiers
Obligations of Banks
Obligations of the Beneficiary Real Estate Financier
Self Learning
Introduction
Principles of Customer Protection in Financing Companies, Banks, and Financial Institutions
General Principles
Mutual Responsibilities (Client Responsibilities)
Main Obligations of the Financing Entity
Activity
Self Learning
Definitions
Disclosure Requirements
Disclosure Forms
Activity
Self Learning
Self Learning
Self Learning
Definitions of Responsible Financing Principles for Individuals
Qualitative Principles of Responsible Financing
Quantitative Principles of Responsible Financing
Conditions for Calculating a Client’s Monthly Credit Obligations
Main Steps and Documents Required to Obtain Financing Products
Steps to Obtain a Credit Card
Steps to Obtain Personal Financing
Steps to Obtain Real Estate Financing
Credit Information Companies
Credit Companies in Saudi Arabia
Advantages of SIMAH Credit Evaluation
Sample of a SIMAH Report
Activity
Self Learning
Client-Specific Factors
Bank- and Financing Company-Specific Factors
Key Factors Influencing a Bank’s Lending Policy
Activity
Self Learning
Self Learning
Self Learning
Definition of Unusual and Suspicious Transactions
Indicators for Identifying Unusual and Suspicious Transactions
Regulatory Procedures for Dealing with Unusual and Suspicious Transactions
Activity
Self Learning
Introduction
Saudi Arabia’s Initiatives in Combating Money Laundering and Terrorist Financing
Activity
Self Learning
Defining the Administrative Reference for Handling Unusual and Suspicious Transactions
Activity
Self Learning
Concept of Risk
Objectives of Risk Management
Main Methods of Risk Management
Types of Operational Risks
Sources of Operational Risks
Self Learning
Self Learning
Self Learning
Client Protection
Protection of Client Rights in Financing Services
Financing Contract
Activity
Self Learning
Enhancing Financial Awareness
Client Rights
Client Financial Goals
Activity
Self Learning
Overview of Individual Credit Risks
Portfolio Management Method
Factors Affecting Portfolio Performance
Individual Credit Risk Assessment System
Self Learning
Collection Rules and Procedures
Collection Procedures from Client Accounts
Activity
Self Learning
Procedures
Activity
Self Learning
Self Learning
Self Learning
Definition of Goals
Goal Setting
How to Set Goals
Individual or Personal Goals
Organizational Goals
Achievable Goals in Agreement with the Direct Manager
The Relationship Between Goals and Motivation
Setting Achievable Goals
Activity
Self Learning
Definitions
Commitment to Professional Conduct
Interaction with Stakeholders
Combating Financial and Administrative Corruption Crimes
Combating Money Laundering
Combating Bribery and Corruption
Duties and Responsibilities of Financial Institution Staff to Achieve These Goals
Self Learning
Compliance with Regulations, Rules, Policies, and Instructions
Dealing with Conflicts of Interest
Self Learning
Classification of Information by Degree of Confidentiality
Types of Confidentiality:
Self Learning
Self Learning
Self Learning
Self Learning
Self Learning
Self Learning
Self Learning
Self Learning
Self Learning
Full understanding of the credit risks that customers may be exposed to, in order to protect them efficiently & professionally.
Be aware of the most important operational risks, in order to support dealing with them according to the best applicable methods.
Increasing the knowledge of financing products for individuals, which helps to evaluate the appropriateness of the financing solution provided with the client’s needs, and evaluate the risks that the client may be exposed to.
Get familiar with the relevant regulations & laws, to perform his job & fiduciary duties in accordance with the highest standards specified by law.
Acquiring the knowledge, abilities & skills necessary to pass the mandatory professional exam for the credit counselor
