PROFESSIONAL CREDIT CERTIFICATION (PCC) Leading credit specialisation

Why ChOOSE PCC?

The Professional Credit Certification (PCC) is a modular programme for banking professionals who seek to equip themselves with the skills, knowledge and tools to advance in the demanding and rapidly changing field of credit management. By dedicating time and effort to complete PCC, you will be demonstrating your commitment towards attaining the highest standards of becoming a credit professional.

• Academic Learning with Hands-on Operational Elements• Developed by Malaysian Credit Experts for Local Insights and Practice• Clear Education Pathway from Entry to Senior Credit Professionals• Choose Modules Based on Career Aspirations • Flexible Online Programme with Optional Classroom Support

Leading credit specialisation

Learning Outcomes The overall aim of the programme is to provide you with the knowledge and skills for an end-to-end credit management process. Upon completion of the programme, you will demonstrate sound understanding to undertake advanced credit roles and responsibilities. PCC provides you with the recognition as a credit specialist, proving that your competency, skills and knowledge in credit are up-to-date, giving you the recognition and reputation as a credit specialist.

PCC is an esteemed qualification awarded by the Asian Institute of Chartered Bankers.

PCC EDuCATION PAThWAy A blended learning programme incorporating face-to-face and online methods, the pathway is designed to give you the flexibility of study while being employed. The PCC structure is premised on a 3-level modular approach, providing a systematic progression of knowledge, skills and competencies required for the credit job family.

Entry level executives in the banking industry aspiring to work in credit function..

Upon successfully completing 4 module examinations:• Receive Certified Credit Executive

Certificate• Advance to Level 2, Retail Credit

Professional OR Business Credit Professional

Upon successfully completing 1 module examination:• Receive Corporate Credit Specialist

Certificate

Certified Credit Executive provides you with a strong skill set for undertaking credit roles and responsibilities within a guided environment or policy framework.

LEvEL 1

Who is it for? Banking professionals with several years of experience in credit.

Banking professionals with several years of experience in credit.

Retail Credit Professional expands your competence in credit skills and judgement with specialisation in retail credit.

Business Credit Professional expands your competence in credit skills and judgement with specialisation in business credit.

LEvEL 2

LEvEL 2

RETAIL CREDIT PROFESSIONAL (RCP)

BuSINESS CREDIT PROFESSIONAL (BCP)

Who is it for?

Who’s it for?

Corporate Credit Specialist is an advanced award equipping you with higher technical knowledge and skills to apply judgement in complex credit business situations.

LEvEL 3CORPORATE CREDIT SPECIALIST (CCS)

Seasoned professionals serving in management in the banking industry.

Who is it for?

CERTIFIED CREDIT ExECuTIvE (CCE)

Upon successfully completing 4 module examinations:• Receive Business Credit Professional

Certificate• Advance to Level 3, Corporate

Credit Specialist

Upon successfully completing 4 module examinations:• Receive Retail Credit Professional

Certificate• Retail Credit Professional Pathway

ends here

Method of Assessment

LEvEL 1: CERTIFIED CREDIT ExECuTIvE (CCE) Syllabus Structure

The Malaysian Financial System, Regulations and Ethics

Credit Writing Skills Basic Credit Skills Basic Accounting and Financial Statement Analysis

CCE1 CCE4CCE2 CCE3

Notes: • Must successfully complete all 4 modules within 3 years • CCE1 and CCE2: Can be taken individually or together in any order • Must successfully pass CCE1 and CCE2 to be eligible to enrol for CCE3 • Must successfully pass CCE3 to be eligible to enrol for CCE4

1. The Malaysian Financial System2. Laws and Regulations in

Malaysian Banking3. Complementing and Supporting

Regulations for the Banking Industry

4. Key Provisions of FSA 2013 Relating to the Granting of Credit Facilities by Banks and Financial Institutions

5. Key Provisions of BNM Guidelines Relating to the Granting of Credit Facilities by Banks and Financial Institutions

6. Key Provisions of Laws/Regulations Having Credit Impact

7. Ethics and Corporate Governance

1. Overview of Report Writing2. Language and Writing Style3. Introducing Credit Report

Writing4. Context of Credit Report

Writing5. Content of the Credit Report6. Summarisation7. Conclusion and

Recommendation

1. Principles of Lending2. Credit Risk Assessment

Framework3. Borrowers and their Legal

Status4. Credit Information and Its

Verification5. Loan and Securities

Documentation 6. Landed Securities and Credit

Support7. Guarantees and Indemnity

1. General Accounting Principles and Policies

2. Understanding Financial Statements

3. Quantitative Analysis of Financial Statements

4. Qualitative Aspects of Financial Statement Analysis

Complete all 4 modules.

* MCQs: multiple-choice questions

For each module:• An examination with 60

independent MCQs* • Pass mark: 75%• Duration: 1.5 hours

• An examination with 20 independent MCQs* and 2 descriptive questions

• Pass mark: 60%• Duration: 2.5 hours

• Sittings: Apr, Aug, Nov• Centres: Kuala Lumpur,

Penang, Johor Bahru, Kota Kinabalu

Modules CCE1, CCE2, CCE3:

Module CCE4:

Each module:

LEvEL 2: RETAIL CREDIT PROFESSIONAL (RCP)Syllabus Structure

Credit Environment and the Lending Process

Loan Portfolio ManagementConsumer Lending Products and Services

Lending to Small Business

RCP1 RCP2 RCP3 RCP4

Notes: • Must successfully complete all 4 modules within 3 years • Must enrol and pass RCP1 & RCP2 to be eligble to enroll for RCP3 & RCP4 • RCP1 & RCP2: Can be taken individually or together in any order • RCP3 & RCP4: Can be taken individually or together in any order

1. Retail Lending Environment2. Marketing and Business

Development3. Credit Information and

Verification4. Credit Evaluation and

Structuring5. Security Documentation and

Support6. Loan Disbursement

1. Loan Monitoring2. Loan Collection and

Recovery3. Account Management

1. Consumer Credit2. Property Financing3. Investment Financing4. Hire-Purchase and Leasing

1. Small and Medium Enterprise Lending

2. Evaluation of SME Applications

3. Financial Assessment4. Lending Products to SMEs

Method of Assessment

* MCQs: multiple-choice questions

• An examination with 2 parts: - Part 1: 60 independent MCQs* (60%) - Part 2: 20 case-based MCQs* (40%)

• Pass Mark: 60%• Sittings: Apr, Aug, Nov• Centres: Kuala Lumpur, Penang, Johor Bahru, Kota Kinabalu

Each module:

Complete all 4 modules.

LEvEL 2: BuSINESS CREDIT PROFESSIONAL (BCP) Syllabus Structure

Credit Analysis Loan Monitoring, Rehabilitation and Recovery

Advanced Financial Analytical Techniques

Loan Structuring and Legal Documentation

BCP1 BCP2 BCP3 BCP4

Notes: • Must successfully complete all 4 modules within 3 years • Must enrol and pass BCP1 & BCP2 to be eligble to enroll for BCP3 & BCP4 • BCP1 & BCP2: Can be taken individually or together in any order • BCP3 & BCP4: Can be taken individually or together in any order

1. Business Credit Analysis2. Structure of Business

Financing3. Qualitative Risk Analysis4. Components of Credit Risk5. Competitive Strategies of

Borrowers6. Risk Identification Using

SWOT Analysis7. Risk Identification Using PEST

Analysis8. Risk Identification Using Asset

Conversion Cycle

1. Managing the Loan Portfolio2. Identification of Warning

Signs3. Causes of Business and

Credit Failure4. Loan Rehabilitation and

Business Recovery5. Loan Recovery and

Workouts

1. Advanced Financial Statement Analysis

2. Consolidated and Group Financial Statements

3. Financial Reporting and Accounting Standards

4. Financial Forecasting and Modelling

1. Loan Structuring2. The Loan Agreement3. Covenants in Loan

Documentation4. Property Security and Its

Documentation5. Debentures6. Fixed Deposits7. Shares and Unit Trusts8. Standby Letters of Credit9. Other Forms of Security10. Other Credit Support and

Documentation

Method of Assessment

• An examination with 2 parts: - Part 1: 60 independent MCQs* (60%) - Part 2: 20 case-based MCQs* (40%)

• Pass Mark: 60%• Sittings: Apr, Aug, Nov• Centres: Kuala Lumpur, Penang, Johor Bahru, Kota Kinabalu

Each module:

* MCQs: multiple-choice questions

Complete all 4 modules.

Membership Requirement:Candidates are required to be Individual Members of AICB

Employment Requirement:Candidates are required to be employed by a banking or AICB institutional member

Prior qualification requirement:Standard Entry RouteCandidates are eligible to enter CCS upon completing the BCP qualification

LEvEL 1 LEvEL 2 LEvEL 3

LEvEL 3: CORPORATE CREDIT SPECIALIST (CCS)Syllabus Structure Method of Assessment

CCS MODuLE

1. Ethics & Corporate Governance2. Project Financing3. International Trade Financing &

Structured Trade4. Treasury & Counterparty Credit5. Global & Domestic Developments

in the Financial System

Notes: • Topics are accurate at time of print but may be subject to change based on the

Institute’s discretion.• The Certified Credit Specialist programme will commence in the later part of 2015.

• Combination of assignment and examination comprising comprehensive case analysis with problem solving elements to indicate skills and ability to synthesise and apply knowledge

• Pass mark: 60%• Duration: 3 hours• Centres: Kuala Lumpur, Penang, Johor Bahru, Kota Kinabalu

ENTRy REQuIREMENTS

LEARNING SuPPORT

Membership Requirement: Candidates are required to be Individual Members of AICB

Employment Requirement:Candidates are required to be employed by a banking institution or AICB institutional member

Prior Qualification Requirement:Candidates may enter CCE with SPM or equivalent qualification

Membership Requirement: Candidates are required to be Individual Members of AICB

Employment Requirement: Candidates are required to be employed by a banking or AICB institutional member

Prior qualification requirement:1. Standard Entry RouteCandidates are eligible to enter RCP/BCP with the CCE qualification and at least 2 years of credit related work experience

2. Direct Entry Route Candidates with 3–5 years of credit-related work experience are eligible to enter RCP/BCP directly. The credit related work experience must match up to 70% of CCE learning outcomes and is to be validated by the candidate’s Department Head. Candidates are required to submit a direct entry application form with required supporting documents for this purpose.

Certified Credit Executive (CCE)

Retail Credit Professional (RCP) OR Business Credit Professional (BCP)

Corporate Credit Specialist (CCS)

1. English Proficiency Test

PRE-LEARNING

ExAM PREP

LEARNINGREvISION

2. Module Study Text

3. Tutorial (F2F)

4. Web App Revision Flashcards

5. Practice Questions

6. Exam Preparation Clinic (F2F)

Complete 1 module.

Candidates can choose any of the following flexible study methods:

Sample of Module Study Text

Self-Paced Self Study

Online Learning

Optional Classroom Support (RM800 per module)

1

2

3

IMPORTANT NOTES:• To be admitted into the AICB qualification programmes, candidates must meet AICB entry requirements stipulated in the qualification entry criteria.• Prior qualifications used for admission purposes will be subject to further assessment by AICB on a case-by-case basis on the level and content

of the qualification.• Prior qualifications used for admission purposes must be from Institutions recognised by AICB.• Prior bank work experience if required must be relevant and are subject to further assessment by AICB on a case-by-case basis on the level and

context of the experience.• AICB entry requirements for qualifications are subject to change from time to time. Candidates are required to check AICB’s website for the

latest updates.

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ASIAN INSTITuTE OF ChARTERED BANKERS The Asian Institute of Chartered Bankers (AICB) is the professional body for the banking and financial services industry in Malaysia. It aims to elevate the banking industry and uphold standards of excellence by enhancing the quality of professionals who work within the industry.

To that end, AICB offers industry-focused professional examinations, qualifications and awards that are attuned to the cultural changes and the evolving landscape of the financial world. It accomplishes this through its own curriculum and through collaboration with renowned institutions locally and abroad, to share international best practices and standards. An AICB qualification elevates your status as a banking professional on par with the world’s best.

Transformed from the Institute of Bankers Malaysia founded in 1977, the establishment of the Asian Institute of Chartered Bankers is an initiative supported by its Council. With this transformation, AICB will champion the vision of professionalising bankers to establish high standards of professional excellence as well as to instil a minimum standard of professional and ethical conduct through the partnership with the Chartered Banker Institute, the only professional banking Institute in the UK.

Wisma IBI, 5 Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

T (603) 2095 6833 F (603) 2095 2322 E marketing@aicb.org.my W www.aicb.org.my

(35880-P)Asian Institute of Chartered Bankers (formerly known as Institut Bank-Bank Malaysia)

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