ΠΕΡΙΓΡΑΦΗ

In 2020 the European Banking Authority (EBA) issued the Guidelines on loan origination and monitoring (the guidelines) in response to the Council of the European Union’s Action Plan on tackling the high level of non-performing exposures. The objective of the guidelines is:

• to improve institutions’ practices and associated governance arrangements, processes and mechanisms in relation to credit granting, in order to ensure that institutions have robust and prudent standards for credit risk taking, management and monitoring, and that newly originated loans are of high credit quality;
• to ensure that the institutions’ practices are aligned with consumer protection rules and respect fair treatment of consumers.

The guidelines specify the internal governance arrangements, processes and mechanisms, as laid down in Article 74(1) of Directive 2013/36/EU (CRD) and further specified in the EBA Guidelines on internal governance, and requirements on credit and counterparty risk, as laid down in Article 79 of Directive 2013/36/EU in relation to the granting and monitoring of credit facilities throughout their life cycle. The EBA guidelines will apply from 30 June 2021.

ΣΚΟΠΟΣ ΣΕΜΙΝΑΡΙΟΥ

By attending this programme participants will learn:

• To present the internal governance and control framework for the credit-granting and credit decision-making process
• To specify requirements for the creditworthiness assessment of borrowers, differentiating between lending to consumers, micro and small enterprises and medium-sized and large enterprises, and set out the requirements for handling information and data for such assessments
• To provide guidance on the approaches to the valuation of immovable and movable property collateral at the point of credit granting, and the monitoring and review of the value of such collateral, based on the outcomes of the monitoring
• To present developments in relation sustainable lending
• To analyse the practical implications of these new requirements
• To provide guidance concerning compliance with the new requirements.

ΣΕ ΠΟΙΟΥΣ ΑΠΕΥΘΥΝΕΤΑΙ

The course is suitable for:

• Legal advisors
• Compliance officers
• Senior Managers
• Credit officers 

ΠΕΡΙΣΣΟΤΕΡΕΣ ΠΛΗΡΟΦΟΡΙΕΣ

Training Outline

• Internal governance for credit granting and monitoring
• Responsibilities of the Board of Directors
• Requirements in relation to credit-decision making framework
• Creditworthiness assessment
• Requirements in relation to pricing

Training Style

The course shall include the presentation and analysis of the regulatory framework providing practical examples.

The programme is designed to deliver knowledge and enhance participants’ skills via case-studies and practical examples.

Participants will benefit from feedback and take away the knowledge gained to be transferred to their workplace.

Trainer

Christina K. Livada

Dr. Christina Livada is currently working as a Special Legal Advisor at Alpha Bank in Greece, being responsible for regulatory issues and their implementation.

Before her appointment, Christina has worked for seventeen years at the Hellenic Bank Association as a Special Legal Advisor, also responsible for the regulatory issues pertaining to banking, capital markets and consumer protection law.

She has been member of the Corporate Governance working group of the Hellenic Corporate Governance Council for the review of the Greek Corporate Governance Code. She is also member of the Hellenic Association of Banking and Capital Markets Law. Her main fields of expertise are company law, corporate governance, banking and capital markets law, as well as consumer protection law.

Furthermore, Christina has obtained her PhD from the Faculty of Law of the National and Kapodistrian University of Athens in 2004. Also, Christina is an Assistant Professor of Commercial Law at the Faculty of Law of the National and Kapodistrian University of Athens. She is the author of several known books and articles in the abovementioned fields.