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CREDIT RISK

CERTIFICATION (CRC):

5 REASONS TO UP YOUR GAME

The Risk Management Association (RMA)

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CREDIT RISK CERTIFICATION (CRC)

• Credit Risk Certification (CRC) is

the premier designation for the

commercial credit risk

professional.

• This credential distinguishes the

certification holder from all others

in the field.

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CREDIBILITY

The CRC is an objective

validation of skill and

understanding around

the core components of

credit risk.

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EXPERTISE

Demonstrates a level of in-depth knowledge and competency in myriad credit risk situations.

Demonstrates indepth knowledge of the seven

skill sets you must master to manage credit risk.

Validates your credit risk skills and identifies your exemplary achievement

as a CRC recipient.

Demonstrates that you recognize the industry’s

best credit practices.

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You should be adept at:

• Evaluating a client's industry, markets, and competitors.

• Assessing a client's management ability.

• Completing accurate, ongoing, and timely client

financial assessments.

• Assessing the strength and quality of client/sponsor

cash flow.

• Evaluating collateral values, including collateral

inspections.

• Identifying repayment sources, and

structuring and documenting credit exposures.

• Dealing with problem loans and actions.

EXPERTISE (CONT.)

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SKILL SET 1:

INDUSTRY EVALUATION SKILLS

Credit Risk Certification

will attest to the fact that

you have the skills and

experience to evaluate

the client's industry,

markets, and

competitors.

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SKILL SET 2: FORMULATING AND EXECUTING

BUSINESS AND FINANCIAL STRATEGIES

• Assessing

management's ability to

formulate business and

financial strategies and

to execute them are key

skills every lender needs

to have.

• As a CRC holder, you

prove that you have

these skills.

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SKILL SET 3: KNOWLEDGE

OF FINANCIAL ASSESSMENTS

Holding a CRC shows that you know

the importance of—and how to

complete—accurate, ongoing, and

timely financial assessments of the

client and its other credit sponsors.

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SKILL SET 4: CASH FLOW

The CRC designation

proves that you

possess the skills to

assess the strengths

and quality of

client/sponsor cash

flow.

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SKILL SET 5: EVALUATION OF COLLATERAL

Holding the CRC

designation shows that

you have the skills to

evaluate collateral

values and conduct

periodic inspections of

collateral.

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SKILL SET 6: LOAN ACUMEN

Holding the CRC shows that you

can identify repayment sources

and appropriately structure and

document credit exposures for the

intended purpose.

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SKILL SET 7: PROBLEM LOAN

MANAGEMENT

With the CRC

designation, you

show that you have

the skills to

recognize problem

loans and can

formulated the

needed actions.

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PROFESSIONAL

DEVELOPMENT

Earning a CRC is an important milestone in a

successful career in credit and

demonstrates a commitment to the

profession.

It shows to your customers your

commitment to expert skills, knowledge, and

professionalism.

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PERSONAL DEVELOPMENT

Stand out as a quality

performer.

Bolster your confidence.

Pursue short-and long-term career goals.

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The CRC is a rigorous process and an exclusive professional designation for credit and lending professionals.

Differentiate yourself as a quality performer.

Join the elite group of lenders who are recognized for excellence.

PRESTIGE

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RMA CRC holders demonstrate leadership.

The RMA-CRC designation validates your knowledge of lending and your professional experience.

More and more, banks are making RMA’s Credit Risk Certification a part of their credit curriculum.

ENTERPRISING LENDERS GET CERTIFIED

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Body of

Knowledge

Credit Glossary

Ratios

Download the CRC Handbook

Take a practice exam

Learn more at

www.rmahq.org/CRC

STUDY AND PARTICIPATE

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EXAM REQUIREMENTS

• You must work in commercial lending.1

• You should have 5 years of credit risk experience.2

• You must have mastered the 7 CRC skill sets.3

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UPCOMING EXAM DATES

• March 8, 2018–April 14, 2018

Spring

• July 23, 2018–August 18, 2018

Summer

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APPLICATION DEADLINES

• January 31, 2018Spring 2018

deadline

• June 12, 2018Summer 2018

deadline

Application fee: USD$495

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Calculate Fees

•Calculate the

required fees

carefully (see fee

schedule).

•Full payment—by

credit card only—

must be submitted

at the time of

registration.

Register Online

•Applications must

be completed and

submitted online.

•Online registration

is accessible

only during the

open enrollment

period.

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ONLINE ENROLLMENT PROCESS

What to Expect

•RMA will process your

application within 10–

14 business days of

receipt.

•Within three weeks of

receiving your

application, RMA will

notify you of the results

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SHARE THIS PRESENTATION

Learn more at http://landing.rmahq.org/CRC

RMA is a member-driven professional association whose sole

purpose is to advance sound risk principles in the financial

services industry.

RMA helps its members use sound risk principles to improve

institutional performance and financial stability, and enhance the

risk competency of individuals through information, education,

peer sharing, and networking.

Become a member today.