ICM National & Advanced Certificates in Credit Management

Realise your potential and achieve your career goals by enroling for the Institute of Credit Management’s (ICM) Certificate in Credit Management today! Learn all about the field of credit management (Module 1), the economic and legal environment of credit (Module 2) and specific skills and knowledge required to operate and effectively manage a credit department (Module 3). During the Advanced Certificate (Module 4) you will learn how to manage employee’s performance and development, whilst conforming to required legislation and company policies and procedures.

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National Certificate in Microfinance (Level 3 & Level 4)

Enrol for the Level 3 Certificate and learn how to work with clients, assist them with loan applications, advise them on suitable ways in which to make loan repayments and on alternative ways to obtain funding in cases where the client does not qualify for a loan.

Enrol for the Level 4 Certificate and learn how to manage the operations of MFIs plus the skills to develop and implement client repayment schemes, credit policies and procedures, control and administrative systems, fraud prevention and how to conduct market research to develop new services to attract and retain clients.

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All in One Credit Course

This power course will enable you to become an educated, skilled and successful credit professional who understands the world of credit, who can assess credit applications, identify and prevent fraud, implement an effective credit control system and collect bad debt, all within the Legal Framework of the South African Credit Industry.

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An Introduction to Credit Management

Do you need to familiarise yourself with the ethical and professional requirements of the credit industry? Look no further. Our programme will give you insight into these requirements and principles with a specific focus on aspects such as profit and loss, supply and demand as well as sustainability and compliance within the law. You will learn all about the credit management cycle.

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The Legal Framework for Consumer Credit Management

Learn the basics of the credit industry and get an overview of the concept “credit management”. This includes the relevant terms used, the legislation, the benefits and disadvantages of the different types of credit, the specific requirements and the impact of the legislation on all aspects of granting credit like applications, assessments, credit decisions and administering the credit agreement.

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National Credit Act Training

Our NCA workshop will introduce and familiarise you with the specific provisions of the legislative framework regulating the credit arena. You will learn the purpose and objectives of the Act, consumer’s rights, how not to give credit recklessly as well as the different fees that you may charge under the Act. You will also learn about the requirements for collections, the much debated debt counselling process and how it affects your business.

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Applying Credit Assessment Practices & Methodologies

Looking to increase your knowledge, skills and abilities in terms of credit assessment practices and methodologies when evaluating loan applications? You will learn to assess potential clients’ credit risk and to determine their repayment ability. You will be able to make effective credit decisions during the entire loan process from performing an affordability assessment to granting the loan, completing the administration and paying out the loan.

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Credit Policies & Procedures

Design, structure and implement credit policies, procedures and control systems with a range of process skills. You will learn to determine the essential elements of a credit policy, break the policies down into procedures, write the procedures into a manual and design control systems. Be able to support the credit policies in terms of the structure and profile of your operations.

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Credit Control & Collections

Do you want to increase the profitability of your business by implementing an effective loan repayment and collection process? Our programme will teach you to do just that while also looking at solutions to collect on problem loans. You can’t afford not to enrol for this course in today’s turbulent economic times.

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Effective Debt Collection Strategies

Struggling to recover debt? Enrol for our course and learn all about the most effective debt collecting strategies. The course outlines effective communication and negotiating skills as well as the effective use of correspondence in collecting debt.

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The Authenticated Early Debit Order System (AEDOS)

By attending this short course you will have the ability to load debits for repayments of loans through the use of the Authenticated Early Debit Order System (EADOS) facility. This quick and straightforward payment system is implemented at all major banks in South Africa. To achieve maximum impact, this course will cover the National Payments System (NPS), the regulation of financial services, the role of the AEDOS and the NAEDOS whilst adhering to ethical and conduct requirements and the implementation thereof.

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Fraud Prevention & Monitoring

Fraud is an ever growing problem and it has an immense impact on the financial well-being and reputation of your business. By attending this accredited skills programme you will learn to identify fraud and understand the impact it has on your business. You will further be provided with practical tools and examples on how to monitor and prevent fraud in order to take action against the perpetrators that are harmful to your business.

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Marketing for Credit Providers

For marketing to be effective it needs to be supported by research and analysis. Put yourself ahead of the competition by enroling for this programme. You will learn how to conduct market research, analyse your market, compile a proper budget for marketing and identify creative and cost-effective ways of marketing your credit products. The implications and requirements of the National Credit Act (NCA) which regulate the marketing of credit to consumers are also covered.

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Manage Loan Portfolios

This skills programme aims to familiarise the learner with the processes and procedures involved with the successful management of loan portfolios. In the ever changing environment that we are faced with daily we have to be up-to-date with all the new laws and regulations that govern the industry as well as the ethical and professional standards governing the industry. It provides you with clear and concise principles that you can apply to your business within the credit industry.

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Manage Service Providers in a Credit Environment

Managing and monitoring your relationships with your service providers is critical to your business’ effectiveness. You need to have the correct skills and knowledge to be able to nurture and build an ongoing relationship with your service provider. This programme will teach you to understand your service providers, to develop and negotiate service contracts with them and manage the successful delivery of their services.

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Financial Skills for Microcredit Providers

This skills programme is a valuable introductory course and will focus on factors such as the impact of interest, financial statements, ratios, costs and interest rate calculations. It will result in improving your financial skills, making correct decisions and responsibly managed finances in the microfinance industry.

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Microfinance Administration

In a Microfinance Institution (MFI) it is crucial to design, structure and implement effective procedures and controls. You will be provided with the knowledge, skills and abilities to develop systems and write procedures that work in order to keep client information safe.

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Develop Cash Management Procedures

During this course you will learn the skills to develop required cash management procedures in your organisation. You will also learn about specific budgets within various departments, funds management systems and various accounting systems within a MFI organisation as well as understanding who the delegated authorities are within the context of using funds for various purposes.

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SME Credit Training

This course is for banks and other interested credit providers in developing countries and emerging markets that want to learn about the potential benefits of targeting the SME sector. You will learn how to build, expand and market your SME offerings for business success.

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Overview of Credit Bureaus

In a Microfinance Institution (MFI) it is crucial to design, structure and implement effective procedures and controls. You will be provided with the knowledge, skills and abilities to develop systems and write procedures that work in order to keep client information safe.