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Credit Scoring

Credit Scoring - Making it work

This course is designed to provide Lending Managers, Heads of Departments and senior staff with the key skills that they require to implement or improve their credit scored based lending policies using the optimum combination ­ for them ­ of automation and hands on techniques. It also offers a refresher on lending in general to ensure mistakes or problems have not become “built in” to the system and can be avoided in future without having to take the drastic step of suspending lending completely. The emphasis is on the practical as well as the theoretical with numerous examples and case studies throughout the course as well as in depth discussions so that delegates can pool their experiences and learn from both mistakes and successes.

Learning objective

Course delegates will obtain a full, detailed and above all, practical appreciation of the challenges facing the credit scoring process and will be able to apply a mixture of hands on and automated skills by the finish. Specifically delegates will consider:

Methodology

Classroom style presentations using numerous case studies and practical examples as well as group discussions. Scoring systems will be discussed in detail.

Who should attend

Knowledge pre-requisites

Some knowledge of consumer/personal lending and credit scoring systems would be an advantage but is not essential. The content of the course can and will be tailored to meet the needs and experience within each delegate group.

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The course is delivered in 10 sessions which are outlined below

Session 1: Lending refresher

  • Definitions & basic lending principles
  • Lending policies, lending strategies, lending systems
  • Data/information collection
  • Approvals, security, draw downs
  • Management & monitoring systems

Case Study/Exercise: Several of each throughout the session

Session 2: The Basic Ideas: Origins & Principles

  • Introduction
  • Business context
  • Population & odds
  • How a scorecard works
  • Building a scorecard

Case Study/Exercise: Several of each throughout the session

Session 3: Fixing a Cut Off: Using Scorecard Statistics

  • Population flow
  • Score distributions
  • Strategy curves
  • Setting the cut off
  • Impact of acceptance policy

Case Study/Exercise: Several of each throughout the session

Session 4: How good is my Scorecard: Analysing Performance

  • Score performance relationship
  • Scorecard efficiency

Session 5: Where has my Population Gone?: Tracking Applicant Profiles

  • The role of tracking
  • Policy evaluation/adherence
  • Scorecard validation
  • Trends in population profile
  • Characteristics analysis

Case Study/Exercise: Several of each throughout the session

Session 6: Does my Scorecard still work? ­ Tracking Scorecard Performance

  • Score-odds relationships
  • Dynamic delinquency reports
  • Scorecard adjustment & renewal
  • What is a provision
  • Concepts & techniques of credit scoring

Case Study/Exercise: Several of each throughout the session

Session 7: What’s in a Score? ­ The Policy Framework

  • Properties of a score
  • Exceptions & overrides
  • Policy formulation
  • Decision process

Case Study:  Several of each throughout the course

Session 8: Strategy Analysis ­ What If..?

  • Organisational role of scoring
  • Demonstration analysis
  • Calculating business impact

Case Study:  Several of each throughout the course

Session 9: Not Getting Lost ­ Portfolio Management

  • Dynamic delinquency matrices
  • New account effects
  • Portfolio effects
  • Projections of future performance

Case Study:  Several of each throughout the course

Session 10: Moving on: The strategic use of scoring

  • Behavioural scorecards
  • Score-based strategies
  • Experimentation
  • Building bridges ­ risk & marketing analysis

Case Study:  Several of each throughout the course

Session 5: Basel and Islamic Finance

Case Study: What are the key issues faced by Islamic institutions in implementing the Basel Accord?  How can these be overcome?

About Us

Learning through action - every program we deliver is highly practical and addresses real live issues.  We use simulations, exercises and case studies and all our methods are based on the latest neuroscience and positive psychology research findings.  Everything we deliver and challenge our participants to think about leads back to one simple question ­ “what am I going to do differently back at work and how?”.

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Teamworking International Limited
Nye Creek, New Road
Keyhaven, Lymington
Hampshire SO41 0TN
United Kingdom

Telephone +44 (0)1590 644 107
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