Level 3 Certificate in SME Lending and Alternative Data (CSME)
Program Brief
The CSME qualification aims to highlight the crucial role small and medium enterprises (SMEs) play in promoting economic growth. The qualification explores the transformative power of alternative data in SME lending. Drawing insights from global practices, including mature and emerging markets, this qualification considers how alternative data is revolutionising credit decisions, paving the way for critical funding for SMEs.
ADGM Academy offers industry-leading qualifications and training for financial services professionals, with an innovative approach to learning and a commitment to supporting participants at every step, ensuring professional education is accessible to all.
Alternative data offers the opportunity to bridge the credit gap, expanding access to finance for small businesses and increasing portfolios. By leveraging alternative data, banks can make informed credit decisions, thereby expanding their portfolios and nurturing the growth of SMEs.
Audience
The certificate is aimed at individuals who are either actively involved in SME lending or have an interest in alternative data. It is suitable for individuals in roles such as lending relationship manager, credit officer, and small business customer adviser.
Entry Requirement
There are no specified entry requirements. However, those already employed in a bank or financial organization are the target audience.
Course
After successfully completing the CSME exam, participants receive a digital qualification certificate from The London Institute of Banking & Finance & Certificate of Completion from ADGM Academy.
Program Specification
Course Provider Name
LIBFPrice per applicant
AED 9,999Seat Capacity
Minimum participant number – 15Duration
6 full day workshops delivered on alternate weeks. The registration fee includes 12 months of access to the course site. The recommended study duration is 3 months.Course Date
- 4 December 2024
- Timings: 10:00AM – 4:00PM
Location of training
ADGM Academy, Al Maryah Island
Topic
- The principles and importance of SME lending and the credit cycle
- Assessing business, industry and management risk
- Analysing business financial statements, cash flow and projections
- Use and verification of information sources
- Structuring the loan
- Identifying alternative lending techniques and how they are used in SME lending
- Digitisation in lending
- Different types of data and their use in lending programmes
- The use of credit scoring in SME decision making processes
- The advantages of using alternative lending techniques and how this may impact on internal and external stakeholders
- Examples of alternative lending products in use around the world
Timetable
- 4 December 2024 – Induction
- 10 December 2024 – Workshop 1
- 24 December 2024 – Workshop 2
- 07 January 2024 – Workshop 3
- 21 January 2024 – Workshop 4
- 04 February 2024 – Workshop 5
- 18 February 2024 – Revision Workshop
- 25 February 2024 - Exam