A loan is only as safe as the guarantee behind it. Banks extend credit every day, but the real test of a lending relationship comes when a borrower defaults, and that is exactly when the quality of the underlying guarantee decides whether the bank recovers its money or takes a loss.

This course, delivered by the Arab British Fellowship Training Academy, gives banking professionals a practical grounding in how credit functions inside a bank branch, how loans and advances are evaluated, and how guarantees, mortgages included, are structured, secured and enforced.

Who Should Attend?

• Bank managers and senior executives.
• Credit and lending officers.
• Anyone seeking to understand how banks handle loans, advances and guarantees.

What You Will Learn:

• Get an overview of the credit function at a bank branch.
• Apply financial analysis techniques to loan evaluation.
• Understand the principles and procedures governing lending.
• Identify the guarantees associated with the lending process.
• Handle credit documentation and penalties.
• Apply credit control and loan recovery practices.
• Classify assets based on performance.

Module 1: Why Guarantees Matter in Bank Lending

• The importance and key features of guarantees.
• Precautions to take when issuing guarantees.
• Importance, qualities and classification of guarantees in bank credit.

Module 2: Transferring and Securing Interests

• The role of transfer of ownership in transferring interest in a security interest.
• The main forms of fees and creation of securities.

Module 3: Mortgages as Bank Collateral

• Basic requirements for establishing a mortgage as a guarantee for the bank.
• Characteristics of different types of mortgage.
• Advantages and disadvantages of mortgage as a form of guarantee.