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Description

Consumer Credit: Understanding the Framework, Building and Presenting a Credit File

Build the core reflexes for assembling and selling a consumer credit facility in branch

  • 0.43 days — 3 h
  • In-person or virtual
  • Foundation
  • Up to 6 participants

An adviser receives a credit request and must simultaneously verify repayment capacity, explain an offer and comply with disclosure obligations whose omission exposes the institution. Documents are missing, the real need is not always the one expressed, and optional insurance is presented too quickly or not at all.

This two-month programme covers the fundamentals of the role. Participants learn to position the different forms of consumer credit and the obligations attached to them, to collect and verify the components of a credit file, then practise presenting an offer and formalising the customer's agreement.

Learning objectives

  • Distinguish the forms of consumer credit and their appropriate uses
  • Apply the information and explanation obligations owed to the borrower
  • Collect and verify the supporting documents that make up a credit file
  • Assess repayment capacity based on income and commitments
  • Present an offer and formalise the customer's agreement

What makes this programme different

An incomplete credit file is rebuilt document by document up to its presentation
Mandatory disclosures are identified directly on live credit offer documents
Objections on the cost of credit are practised in simulated customer interviews

Programme

1Framework and Forms of Consumer Credit

Knowing which credit facility for which need

  • Personal loans, purpose-specific finance and revolving credit facilities
  • Pre-contractual information and explanations owed to the borrower
  • Cancellation rights and customer protections under applicable regulations
  • Obligations of the distributing institution and the adviser's responsibility

2Needs Assessment and Building the Credit File

Building a file that gets approved

  • Discovery interview and qualification of the customer's project
  • Supporting documents and the verifications to be carried out
  • Credit bureau enquiries and review of the customer's overall position
  • Calculating the repayment burden and assessing disposable income in AED

3Presenting the Offer and Responsible Selling

Making the case without overselling

  • Comparing solutions and reading the total cost of credit
  • Presenting optional credit insurance and the duty to inform
  • Handling objections on tenor and on cost
  • Formalising the agreement and monitoring the release of funds

Who is it for

Retail client advisers, front-desk staff and employees joining a consumer credit distribution activity.

Prerequisites

No prerequisites

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.