Certificate in Risk Analysis and Risk Management

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Introduction

The course is designed to cover the theory of risk management and its application to some of the fundamental areas of risks, including a detailed analysis of risk analysis and control from a risk manager’s perspective for executives operating in the UAE, Saudi Arabia and the rest of the GCC.

In addition to the main four risks commonly identified by large companies, the course will incorporate the additional risk areas posed by a changing business environment, such as strategic risk, the mitigation and control of which is increasingly important in a globalised market place.

Many of the concepts and case studies used in this programme are taken from the experience and lessons learned by banks globally, in the wake of the 2008/2009 financial crisis.

Key business benefits

  • The application of guidelines from Enterprise Risk Management techniques covered during the course, to the overall strategic management of the delegates’ businesses;
  • A full understanding and therefore application of the principles of good Corporate Governance which when implemented properly, can increase the value of the delegates’ companies;
  • The creation of sounder internal control measures to increase strategic management and improve overall risk management.

Skills Acquired

  • Knowledge of key risk management skills for application inmanaging businesses more effectively;
  • The understanding of Basel II & Basel III requirements for bankers;
  • The management of Market Risk and Variance at Risk calculation;
  • The application of an internationally recognized risk management framework in business;
  • Knowledge of the requirements of corporate governance principles in the UAE and Saudi Arabia;
  • A review and understanding of the principles of credit risk management.

Learning objectives

  • Develop a comprehensive view of risk and risk management and understand its potential impact on the bank’s earning potential;
  • Be able to define, identify and quantify the four major credit risks, namely, credit, market, liquidity and operational risk;
  • Obtain a working knowledge of the methods and tools to track and quantify the risks;
  • Understand other key areas of risk which can impact significantly on the bank, such as strategic, managerial and environmental risks;
  • Work with corporate Governance and Internal control procedures in the UAE and the GCC.

Day 1

Session 1: Fundamental principals in Risk and Risk Management

  • The importance of risk management;
  • Principals of risk and return;
  • Shareholder risk appetite;
  • Importance of risk and control;
  • Importance of identifying risk in advance;
  • Introduction to different types of risk;
  • Particular risks faced by institutions in banking and finance;
  • Case study Operational risk in banking – Societe Generale;
  • The lessons learned in risk analysis from the 2007/08 global financial crisis;
  • Case Study: Delegates separate into teams and will review a bank case study where internal risk and control broke down. The delegates will discuss the causes of risk crystallisation and how to correct the problems. 

Session 2: Increased risk management:  banking and finance

  • Responses to the global financial crisis;
  • Review of Basel II and the three pillars;
  • Basel III and increased regulation;
  • Key requirements of Basel III;
  • Timing of implementation for Basel III;
  • Effects of Basel III on the global banking industry;
  • Workshop: Assessment of KPMG report on the effects of Basell III on the global financial institutions and assessment of its effects on the client company. 

Session 3: Risk identification and management 

  • Introduction to risk management;
  • Responsibilities of risk management;
  • Introduction to Enterprise Risk Management: The Coso Cube;
  • Characteristics of an ERM;
  • Key steps and main issues in ERM;
  • Risk Management Model: Risk identification, Assessment, Profiling, Quantification, Consolidation ǽ Introducing risk strategies: Application of the TARA model;
  • Case Study: Delegates in their teams will assess a case study company, identify the risks inherent in the company and then manage the risks in line with the risk management model introduced.  

Session 4: Operating and Strategic risks

  • The impact of operational risk versus reputation risk – the case of BP and Deep Water Horizon;
  • Overview of strategic risks;
  • Importance of successful strategic development;
  • Strategic failure in international investment – Walmart in Germany;
  • How companies can get strategy very wrong and very right;
  • The importance of good management and strategic vision;
  • Introduction to strategic positioning;
  • Michael Porter’s strategic theory and its application;
  • Assessment of the client’s strategic position;
  • Assessing the client’s critical success factors;
  • Identifying how the client beats its competition;
  • Identifying how the client satisfies customer needs;
  • Case Study: Delegates in their teams will assess the case study examples of strategic success and failure of Walmart, BP and Jaguar Land Rover. We will then undertake a case study analysis with the project teams identifying areas of strategic failure and recommending strategies for success of an international footware manufacturer.

Day 2:

Session 1: Market Risk and Liquidity Risk

  • Market risk - volatility of market rates or prices: Interest rates, Credit spreads, Foreign exchange rates, Equity prices, Commodity price;
  • Market risk management and control responsibilities;
  • Risk control and capital requirements;
  • Trading market risk;
  • Quantifying Measuring market risk: Value at Risk (VAR);
  • Analysis of market risk exposure;
  • Mitigating market risk;
  • Introduction to Liquidity Risk;
  • Money markets and bank borrowing  Funding and concentration risk;
  • Identifying the different types of liquidity risk;
  • Managing the interest and maturity mismatches;
  • Asset and liability management;
  • Quantifying concentration risk, interest rate risk and exchange rate risk;
  • Liquidity risk management tools;
  • Lessons learned from the Credit Crisis on liquidity management;
  • Workshop examples: The delegates will work through worked examples of market risk including Value at Risk calculations to assess their impact on company/ bank profitability. The delegates will also work through worked examples of liquidity risk and its impact on company/bank profitability. We will also review the lessons learned from the collapse of Lehman Brothers due to liquidity risk.

Session 2: Credit Risk

  • Overview of principles of lending and credit risk;
  • Review of key quantitative credit risk drivers and of key financial ratios;
  • Liquidity, financial and operating risks in financial analysis;
  • Qualitative credit risk analysis;
  • The three M’s of credit;
  • Understanding management’s importance and impact on credit risk;
  • Cash flow forecasting and its importance in credit risk analysis;
  • Identifying key early warning signals;
  • Workshop: During this workshop, the delegates will review the principals of credit risk analysis from a qualitative and quantitative basis. They will analyse the potential credit risk of a Qatari based case study company and present their findings during the workshop

Session 3: Ethics and Corporate Governance Risk

  • The role of Corporate Governance in banking;
  • The principals of good corporate governance;
  • Corporate Governance in Qatar;
  • The role of the Financial Authorities in Corporate Governance in Qatar;
  • The role of the board of directors;
  • Committees required for Governance compliance in Oman;
  • The role of internal control in banking;
  • The importance of ethics in banking;
  • Introduction to ethical principles in banking;
  • Solving ethical problems using the American Accounting Association’s model.

Session 4: Applied workshop: Ethics and Corporate Governance Risk

  • Workshop: During this workshop, the delegates will review two case studies and firstly assess the corporate governance failings and recommend improvements and secondly assess an ethical problem and recommend a resolution using the model introduced during the previous session;
  • Course completion and evaluations.

Juan Gamecho

Banking, Finance and Risk Management

Juan Gamecho is a professional banking and finance trainer who for 14 years has been training students in banking, finance, credit analysis, debt restructuring and loan workout, risk management, strategic management and corporate governance compliance. Cooperating with some of the world’s leading training companies, Juan has trained delegates from some of the largest industrial and financial institutions across Europe and the Middle East. In parallel to his lecturing career, Juan has a 24 year career in merchant and investment banking, initiated in the City of London. Since 2003 Juan has been the managing partner of an independent investment banking advisory firm specialising in finance raising, credit analysis and corporate finance services in the emerging economies of South Eastern Europe. A core element of Juan’s work through Capital Advisers is helping companies to restructure their debt and equity position with a view to strengthening company viability through their restructured Balance Sheets. It is this practical hands on experience of balance sheet restructuring that he brings to the courses and workshops that he develops for clients.

Following graduation from Business School in Economics and Finance in 1991, Juan joined the Government of Slovakia as an Economic and Political Adviser to the Slovak Prime Minister. Following his return to London he joined the Conservative Party where he established the party’s Eastern European office and informally advised Lady Thatcher, the former British Prime Minister, on Eastern European affairs.

In 1993 Juan joined Hill Samuel Bank, the London based merchant bank in, covering International Project Finance and later became a credit analyst in Asset Based Finance, lending directly to international shipping companies. Juan briefly joined N M Rothschild in London as a member of the bank’s LBO credit team analysing clients and providing leveraged debt facilities to UK corporate, before joining Charterhouse Bank in 1997, where Juan began his Corporate Finance career. Assisting companies to strengthen their balance sheets through debt and equity restructuring has been part of Juan’s professional work since he started in banking.

In late 1999 Juan joined EBRD as the bank’s acting deputy director for Romania. In this role Juan led teams of credit analysts in identifying and completing a significant number of credit facilities for Romanian and international companies. During his last year in the post in 2002, EBRD financed a total €500million in debt and equity financing for projects in the country.

In 2003 Juan established Capital Advisers Limited, an investment banking advisory firm which focuses on credit arrangement, capital restructuring, M&A, private placements and IPO’s. Juan and his team work with regional and international clients in firstly restructuring client company balance sheets. Central to this role is identifying companies with good potential credit ratings that will be become attractive clients for international banks and financiers. In 2006 Capital Advisers Limited became the exclusive representatives of HSBC Investment Bank in Romania. In parallel, Juan initiated his career as a professional lecturer in 2003 applying much of the knowledge that he has built up over his extensive banking career to training and developing banking delegates. He is currently developing a number of tailored courses for leading banking and financial institutions across Europe, the Middle East and the Far East.

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