ISSUANCE OF CERTIFICATE

The Certificate for Banking and Risk Management is issued by the Institute of International Economics based at University Jaume I, Castellon, Spain.

The Institute of International Economics is a collaboration between the economics departments of three universities, University Jaume I, University of Valencia and University of Alicante.  

University Jaume I of Castellon is ranked 31st in the U.S. News and World Report ranking of Spanish universities and 381 among European universities. The Academic Ranking of World Universities (ARWU) ranks University Jaume I among the top 400 in the subjects of chemistry, economics, materials science and engineering, psychology and agricultural sciences. The Times Higher Education World University Rankings of 2022, an international ranking focused on teaching, research, knowledge transfer and international perspectives, places UJI in 20th place out of the 52 participating Spanish universities

Overview

An International Certificate in Banking and Risk Management

The International certificate program is intended to boost the knowledge and skills for those destined for careers in the financial services sector.

A unique feature of the International Certificate program is the use of ProBanker Simulation as the primary tool for teaching banking principles and tools. ProBanker mimics a real bank where participants can make a range of decisions to practice concepts and principles discussed in class.

This “hands-on” approach is similar to learning on the job except the cost of failure is null. ProBanker simulation covers all major banking functions such as credit analysis, liquidity analysis, interest rate risk management, and bank capital. Participants can practice solo as well as work with teams remotely.
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Who should enrol?

The International Certificate program covers a comprehensive range of topics to familiarize participants with the latest developments in bank management and risk analysis, taught by a group of international professors from the US, Australia, Netherlands, Spain and Italy.

  • Personnel working in the banking sector, with or without a university degree, and seeking to enhance their career in bank management.

  • Professionals, including lawyers, IT specialists, and accountants, providing services to the banking sector and seeking to enhance their knowledge in the principles of banking

  • Students at universities worldwide pursuing a business degree and wishing to add a certificate to their resume.

Program modules and key take aways.

Eight modules must be completed to obtain the certificate. The main topics are listed below. The eighth module is participating in a bank simulation, ProBanker, where students will compete against each other to manage a bank successfully, measured by maximizing returns and minimizing risk.

  • Financial Intermediation and Banking

    Participants will fully understand the income statement and balance sheet of commercial banks including types and functions of loans and deposits, with several assignments completed in ProBanker.

  • Central Banks and Modern Payment Systems

    Participants will be Introduced to the role of central banks in the financial intermediation of an economy. ProBanker assignments will highlight some of the impact of the above topics on bank performance.

  • Measures of Bank Performance

    Participants will examine the various measures of performances relevant to the banking industry and includes traditional industrywide measures such as ROA, ROE, EPS and measures unique to the banking industry such as NIM, LLA (loan loss allowances), and LCR (liquidity coverage ratio). Several assignments in ProBanker will provide a broader perspective on the various measures.

  • Credit Analysis and Credit Risk Management

    Participants are provided an overview of credit analysis including the management of credit risk in banking institutions. Subjects will include estimating the likelihood of default and potential losses. ProBanker assignments will highlight the impact of several of the topics on the relationship between credit analysis, credit risk and bank performance and understanding central bank regulations on Know-your-customer (KYC) and anti-money laundering (AML).

  • Interest Rate Risk Management

    The module covers interest rate risk management, a banking function that requires continuous monitoring through the year. Topics include asset-liability management (ALM), GAP analysis and economic value of equity (EVE). Several assignments in ProBanker will demonstrate the various impacts of interest rate risk management under different economic scenarios.

  • Regulatory capital and Basel standards

    This module covers the role of capital in protecting bank assets in the event of defaults of loans. Basel rules, adopted since 1992 play a major role in bank capital management and both the strengths and weaknesses of the various rules are covered. Several assignments in ProBanker will show the various ways banks are able to manage their capital to satisfy regulatory requirements.

  • Market and Operational risk

    The module covers the trading activities of commercial banks that have expanded in the last few decades and the management of market risk. Some examples of the trading activities will be studied and its potential impact on bank capital. Basel rules on estimating market risk will be covered with discussions on its effectiveness and other solutions to mitigate them. ProBanker assignments will also complement the methods employed to estimate market risk.

  • Competitive Bank Management

    This is a capstone module to integrate the various principles and tools learnt in the other courses to improve strategic skills in managing a bank under different economic conditions. Participants will learn to interpret outcomes of bank performance, forecast future conditions, and assess competitive strategies. They will learn the importance of integrated decisions-making and the importance of team work to implement a coordinated and successful strategy.

Course curriculum

    1. How to navigate through this course

      FREE PREVIEW

    2. International Certification

      FREE PREVIEW

    3. About the program

      FREE PREVIEW

    4. Reccomended study schedule

      FREE PREVIEW

    5. About the ProBanker Simulation Program

    6. ProBanker Players Manual & Registration Instructions

    1. Objectives, topics covered and materials

    2. Financial Intermediation - why do they exist?

    3. Some useful excel tips for calculating Present Value & IRR

    4. Financial Institutions | Commercial Banks | Investment Banks |Bank market structure | Comparison to non-financial firms

    5. Bank Assets | Breakdown of banks assets | Personal loans | Commercial loans | Real estate loans | Loans by payment feature | Expected credit loss (ECL)

    6. Bank Asset examples | interest & Amortization features

    7. Other Earning Assets | Interbank Lending | Securities

    8. Bank Liabilities | Core deposits

    9. Bank Liabilities cont... | Wholesale deposits | Corporate Bonds | Shareholder equity

    10. Introduction to ProBanker | Managing a bank - the basics | Some complications | Modes of operation (Autosim & Competitive) | Bank assets in ProBanker | Bank liabilities in Probanker

    11. Using Probanker | Organisation of the ProBanker Simulation

    12. ProBanker | Assignment Instructions | Review for the quiz

    13. Quiz | ProBanker | Assignment 1

    14. Quiz | Conceptual Theory | Financial Intermediation and Commercial Banks

    1. Objectives and topics covered

    2. Monetary policy goals and tools of implementation

    3. Reserve Requirements and maintenance

    4. The Fisher effect and term structure of interest rates

    5. Market segmentation hypothesis (MSH)

    6. Deposits insurance and Foreign Exchange intervention

    7. Conceptual Theory | Quiz |

    8. ProBanker | Practical Assignment |

    9. ProBanker | Assignment Quiz |

    1. Objectives and topics covered

    2. Measuring interest income and interest expense

    3. Measures of performance: ROA, ROE and NIM

    4. Measuring all-in cost of funding

    5. Measuring net returns of loans

    6. Leverage coverage ratio and Net stable funding ratio

    7. Default rates and Loan loss allowances

    8. Expected loss and loss given default.

    1. Objectives and topics covered

    2. Ratio Analysis – time-series and cross-sectional

    3. Forecasting and credit scoring models

    4. Credit risk management and credit ratings

    5. Managing loan loss allowances

    6. Loan origination and 5 Cs

    7. Risk premium and default rates

    8. Know your customer (KYC) and Anti-Money Laundering (AML)

    1. Objectives and topics covered

    2. Refinancing and refunding risk.

    3. Sources of interest rate risk.

    4. GAP analysis

    5. Earnings at Risk (EAR)

    6. Economic Value of Equity (EVE)

    7. Managing GAP and EVE

    8. ALCO

About this course

  • $2,250.00
  • 72 lessons
  • 32 hours of video content
  • 45 hours of individual study time
  • 8 simulation assignments

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Instructors

Who you will learn with

Karen Watkins Fassler

PHD in Finance at the Erasmus Research Institute of Management (ERIM), Rotterdam School of Management

Dr. Karen Watkins obtained her PhD in Finance at the Erasmus Research Institute of Management (ERIM), Rotterdam School of Management / Erasmus School of Economics, during 2007. She is affiliated to the International University of La Rioja (Spain) and the National Technological Institute of Mexico. She has more than 15 years of experience teaching executive courses in finance, collaborating with universities in Mexico, Costa Rica, Curacao, Spain and The Netherlands. Dr. Watkins is currently the Director of the GEMFM Global Network, an organization of financial professionals and educational experts from all five continents.

Rita D’Eclessia

Professor in Quantitative Methods in Economics and Finance University “La Sapienza”, Rome

Rita Laura D'Ecclesia has been an independent director of Banca Monte dei Paschi di Siena S.p.A. since May 2020, where she also holds the position of Deputy Chairperson and member of the Risk and Sustainability Committee.She holds a degree in Statistical and Demographic Sciences from the ‘Sapienza' University of Rome and a PhD in Business Economics from the University of Bergamo. She has previous experience in the banking and financial sector and was an Independent Director at Igea Banca, where she was in charge of the Risk Appetite Framework, and at Banco BPM where she was a member of the Internal Control and Risk Committee.

Instructors

Meet who you will learn with

Onno Steenbeek

Assistant professor at the Department of Business Economics, Erasmus School of Economics (ESE)

Onno Steenbeek is a part-time assistant professor at the Department of Business Economics, Erasmus School of Economics (ESE). Dr Steenbeek combines his role at ESE with that of head of the All Pension Group's (APG) Corporate ALM and Risk Policy. APG is the management company of a number of large collective pension plans, with over 200 billion in assets under management and more than 4 million pension fund participants. His department plays a central role in the determination of the financial strategy for associated pension funds. Dr Steenbeek's research in the field of the investment management with a focus on pension fund management has led to a number of published articles in academic journals. He recently co-edited a book entitled Costs and Benefits of Collective Pension Systems (Springer). Dr Steenbeek also manages various research projects on ALM-modeling, pension deals and longevity. He teaches a range of finance-related subjects at ESE.

Meagan McCollum

Assistant Professor of Finance Collins College of Business School of Finance and Operations Management

Meagan McCollum is currently an Assistant Professor of Finance in the Collins College of Business at the University of Tulsa. She has published work in a number of respected journals in finance and real estate including Journal of Banking and Finance, Journal of Human Resources, Journal of Regional Science and Urban Economics, Cities, and Resource and Energy Economics. During her tenure at the University of Tulsa, Dr. McCollum has taught undergraduate and graduate courses in financial markets and institutions and money and capital markets. Prior to joining the University of Tulsa she was an Assistant Professor of Real Estate at Baruch College, City University of New York where she taught classes in real estate capital markets and real estate finance.

Rama Seth

Visiting Professor of Finance - Copenhagen Business School

Rama Seth is a Visiting Professor of Finance at the Copenhagen Business School and Professor (on Leave) in the Finance and Control Department at the Indian Institute of Management Calcutta. She earned her PhD at Columbia University in New York City, and has served at leading international policy-making bodies such as the Federal Reserve Bank, The World Bank, the International Monetary Fund, the Bank for International Settlements, and the United Nations. She has been selected for the 2018 IP 50 Women in Education Leaders Award.

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