The Mechanics of Wholesale Banking

IFF Training

How long?

  • 16 weeks
  • online

IFF Training

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About the course

The course takes place over 16 weeks and comprises ten core units. The units will be released every two weeks from the start of the course.

Assessment & Post Graduate Certification

At the end of each unit there is an assessment that will allow you to benchmark your growth in knowledge and understanding. For those wishing to receive a Post Graduate Certificate from Middlesex University, an additional marked assignment of 5000 words will also need to be submitted.

Video Content

Each unit is now complimented by videos from the course director, Paul Evans, taking you through the components of the course with particular emphasis on complex areas.

Case Studies, Worksheets & Practical Examples

As well as videos and module content, the course has an abundance of supporting course material to help you understand the complex risk management subject

What you will learn

  • Enrich the customer experience
  • Ways to increase your confidence when meeting customers/co-workers
  • How to identify potential areas of specialisation for you in your future career
  • Ways to help your bank and your clients to improve returns/manage risk
  • The ability to to your employer your ambitions to learn and grow
  • The most current and future developments in wholesale banking

Course Content

UNIT 1

Introduction to wholesale banking Learning Outcomes

  • Explain wholesale banking – what it is and what it’s not
  • Define wholesale banking clients and their needs
  • Explain how banks make money from wholesale banking relationships
  • Describe the risks of providing wholesale banking products and services
  • Demonstrate the importance of relationships for clients and their bankers

UNIT 2

The core services - deposits, loans, payments Learning Outcomes

  • Explain the basic services required by wholesale banking clients
  • Demonstrate how wholesale banking clients’ needs are different to SMEs (Small Medium Enterprises)
  • Describe what choices are available for deposits
  • Set out what determines the interest rate paid
  • Explain the trade-offs for customers
  • Explain the reasons wholesale banking clients take out loans
  • Demonstrate the basics of loan pricing and profitability
  • Explain the key importance of affordability and suitability
  • Set out the basics of credit analysis
  • Describe how wholesale banking clients make payments
  • Explain how your bank makes money and the risks it may encounter in core services

UNIT 3

Credit risk analysis Learning Outcomes

  • Explain how banks assess the financial and non-financial factors in credit risk
  • Define a bank’s risk appetite and credit limits
  • Set out the key contents of a good credit application
  • Explain how banks get repaid from future cash flows
  • Describe the loan approval process including risk mitigation and monitoring
  • Demonstrate how financial ratios are calculated and interpreted
  • Explain how your bank makes money and the risks it may encounter in providing credit to wholesale banking clients

UNIT 4

Cash management Learning Outcomes

  • Explain why corporates need to manage their cash
  • Define working capital management
  • Set out the key roles of a corporate treasurer
  • Explain how cash forecasting works
  • Explain the importance of cash concentration measures
  • Describe the importance of liquidity to a company’s health/survival
  • Demonstrate the importance of cash flow to your clients and your bank
  • Explain how your bank makes money and the risks it may encounter in providing cash management products and services to wholesale banking clients

UNIT 5

Risk management - interest rates and FX Learning Outcomes

  • Explain how transaction risk impacts on wholesale banking clients
  • Demonstrate how interest rate and FX risks arise
  • Describe the choices available to corporates
  • Explain how hedging products work
  • Explain the risks of not hedging
  • Set out the cash flows in swaps and option-based solutions
  • Describe the FX regimes used around the world
  • Describe how the bank makes money from hedging solutions
  • Demonstrate what can go wrong and how banks manage these risks

UNIT 6

Trade Finance Learning Outcomes

  • Explain the benefits and risks of trade finance for your bank and your customers
  • Define the key terms you will encounter
  • Set out the importance of documentation and robust insurance
  • Explain the benefits and risks of selling on credit (‘open account’ trading)
  • Explain how and when structured trade finance might be used
  • Describe the key stages in a trade finance transaction
  • Demonstrate what can go wrong and how banks mitigate
  • Explain how your bank makes money and the risks it may encounter in providing trade finance products and services to wholesale banking clients

UNIT 7

Project finance Learning Outcomes

  • Explain the key terms encountered in project finance
  • Define the participants in infrastructure and power projects
  • Set out the rewards and risks for banks and sponsors
  • Explain what can go wrong and how these risks are mitigated
  • Explain how projects are assessed for financial credibility
  • Describe the key features of PPI and PFI deals
  • Demonstrate how loans are monitored and emergent risks are flagged
  • Explain how your bank makes money and the risks it may encounter in providing project finance products and services to wholesale banking clients

UNIT 8

Raising money for corporates Learning Outcomes

  • Explain how wholesale banking clients raise finance
  • Define the typical funding sources and their advantages/disadvantages
  • Set out how wholesale banking clients identify and research potential acquisitions
  • Explain why wholesale banking clients might consider an IPO
  • Explain how private equity and venture capital firms might appeal to wholesale banking clients
  • Describe the process of issuing bonds for wholesale banking clients
  • Demonstrate how companies raise money in the secondary markets
  • Explain how your bank makes money and the risks it may encounter in providing corporate finance services to wholesale banking clients

Experts

Paul Evans

Paul has over 30 years’ experience of successfully delivering courses on wholesale banking. He has sharpened his training skills by working in over 33 countries with more than 100,000 delegates on face-to-face courses. Paul’s former roles include Global Head Financial Training, HSBC. Paul recogn...

Videos and materials

The Mechanics of Wholesale Banking at IFF Training

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