ISFB Certificate
Credits

Catalog | Retail and Corporate Banking

Context

The historical activity of Swiss banks has always been credit. This credit activity is both quantitatively and qualitatively significant and varied both in terms of the clientele concerned and the different solutions that can be offered to clients.

As a key driver of economic activity, credit is also a flagship product for wealth management. With access to capital markets becoming more and more democratic and the maturation of alternative tools and techniques (participative financing, securitization, etc.), mastering credit activities is becoming a key skill for players in the banking and financial industry, but also for clients who are heavily involved in activities in which financing plays a pivotal role (trading, real estate, in particular).

Key objectives

  1. To know the main characteristics of various forms of financing
  2. Analyze a file, collect the necessary documentation and manage the risks inherent to credit
  3. Propose to a client the appropriate financing solution according to his needs and the purpose of the credit

Target audience

  • Persons employed in the credit field, whether in customer-facing or back office functions
  • Account managers in the onshore segment

Stakeholders

ISFB lecturers have been working in the banking and financial world, or in their respective fields, for many years and are recognized as some of the best experts in our ecosystem in French-speaking Switzerland.

Organization

Program director: Jérôme Piguet

Product Manager: Lionel Blanc

Certifications

 
  • 7 non-consecutive days 
  • In person at the ISFB premises
  • Weekdays, from 8:30 am to 5:00 pm
  • Language : French

The certificate is composed of 8 one-day modules:

Module 1: Credits (introduction)

  • Banks' financial intermediation function and credit securitisation
  • Types of credit, including consumer credit, leasing, Lombard credit, commitment credit
  • Nature of the covers and their purpose
  • Financing of companies according to their stage of development
  • Aims of the funding, criteria for granting and monitoring

Module 2: Mortgage Credits

  • Buildings according to the Civil Code
  • Individual or collective ownership
  • Types of financing and interest rate variants
  • Land Registry, Mortgage Schedule and Easements
  • Required documentation
  • Financing plan
  • Valuation of buildings
  • Credit demand analysis and effort rate
  • Rating and credit monitoring

Module 3: Mortgage credits (case studies)

  • The elements necessary for a valuation of a property acquired for own use
  • The use of the2nd pillar in the context of the acquisition of a property
  • The valuation of a yielding property
  • Financing the acquisition of investment properties
  • Rules to be respected when buying a property

Module 4: Credits - special cases

  • Real estate development financing
  • Structured finance
  • Business acquisition financing
  • Restructuring of financing

Module 5: Financing for SMEs

  • Understand the needs and define the type of financing
  • What information should be obtained?
  • Analysing documents: identifying obstacles & finding solutions. Study of practical cases
  • Calculating debt capacity
  • Writing a credit application
  • Monitoring credits

Module 6: Syndicated Credits

  • What is a syndicated loan?
  • Roles, interests and responsibilities in a syndicated loan
  • Type of syndicated loans
  • Syndication process and monitoring
  • Specific application to the commodities sector

Module 7: Real Estate

  • The different methods of calculating the value of a property
  • Taxation in relation to real estate
  • Provisions in relation to real estate

Module 8: Bank Guarantees

  • Definition & uses of guarantees
  • Types & characteristics of guarantees
  • The rules associated with financing via guarantees
  • Risks related to guarantees

Price

CHF 4'250.00 (member price)

CHF 5'320.00 (non-member price)

The member prices apply to all ISFB member institutes and their employees.

Registrations

Please complete the online application form.

Your registration will then be considered as firm and definitive. 3 weeks before the beginning of the training, you will have access to our ISFB collaborative space, then a few days before the beginning of the training to the specific space reserved for the participants of this training.

The general conditions of the ISFB apply as soon as you validate our offer.

Opening of the next session

Kick-off: January 2025

The next session begins in January 2025

The full training schedule will be available here.

Examination information

Review - open book

Examination schedule

"Through the courses offered at ISFB, I'm delighted to be able to share some thirty years of technical and human experience with the new generation of bankers."

Jérôme Piguet, Lecturer ISFB

Application for registration