In 2020 the European Banking Authority (EBA) issued the Guidelines on loan origination and monitoring (the guidelines) in response to the Council of the European Union’s Action Plan on tackling the high level of non-performing exposures. The objective of the guidelines is:
The guidelines specify the internal governance arrangements, processes and mechanisms, as laid down in Article 74(1) of Directive 2013/36/EU (CRD) and further specified in the EBA Guidelines on internal governance, and requirements on credit and counterparty risk, as laid down in Article 79 of Directive 2013/36/EU in relation to the granting and monitoring of credit facilities throughout their life cycle. The EBA guidelines will apply from 30 June 2021.
By attending this programme participants will learn:
- To present the internal governance and control framework for the credit-granting and credit decision-making process
- To specify requirements for the creditworthiness assessment of borrowers, differentiating between lending to consumers, micro and small enterprises and medium-sized and large enterprises, and set out the requirements for handling information and data for such assessments
- To provide guidance on the approaches to the valuation of immovable and movable property collateral at the point of credit granting, and the monitoring and review of the value of such collateral, based on the outcomes of the monitoring
- To present developments in relation sustainable lending
- To analyse the practical implications of these new requirements
- To provide guidance concerning compliance with the new requirements.
- Internal governance for credit granting and monitoring
- Responsibilities of the Board of Directors
- Requirements in relation to credit-decision making framework
- Creditworthiness assessment
- Requirements in relation to pricing
The course shall include the presentation and analysis of the regulatory framework providing practical examples.
The programme is designed to deliver knowledge and enhance participants’ skills via case-studies and practical examples.
Participants will benefit from feedback and take away the knowledge gained to be transferred to their workplace.
This programme may be approved for up to 5 CPD units in Law. Eligibility criteria and CPD Units are verified directly by your association, regulator or other bodies which you hold membership.
Who Should Attend
- Legal advisors
- Compliance officers
- Senior Managers
- Credit officers