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Courses Offered

ZIBFS TECHNICAL & SKILLS COURSES OFFERED

From the previous technical training needs analyses undertaken in the financial sector over the years, it has been noted that most staff in the banking and financial services industry have qualifications and experience to do their work but not many have the necessary skills to perform to the best of their ability. In this regard, the Institute is well experienced in running various Continuous Professional Development Training (CPDT) programmes, including tailor-made short courses These short courses will enhance skills through participative exercises and group discussions. At the end of each course participants will be able to carry out their job with increased confidence, obtaining the best from themselves, their colleagues and others they interact with. The participants will be able to make a better contribution to their organisations.

The Institute is well experienced in running various Continuous Professional Development training (CPDT) programmes, including tailor-made short courses.

The Institute runs courses on the following topics, but not limited to:

  • Risk Management,
  • Anti-Money Laundering, Fraud Detection & Prevention,
  • Essential Management & Supervisory Skills,
  • Mobile Money Financial Services,
  • International Trade Finance,
  • Treasury Risk Management,
  • Banking Law and Practice,
  • Credit Management and Appraisal,
  • Financial Services for Micro Small Medium Enterprises (MSMEs),
  • Credit Reference Services,
  • Bank Branch Management Training,
  • Basel Capital Accord,
  • Financial Sector Regulations Training, etc.

Shown below is a list the courses the Institute intends to deliver in 2015 with a brief description of the objectives of each. These courses will be run subject to sufficient demand. The list below is not conclusive. The Institute is flexible to run any course on demand as long as the resource persons are available.

Management Skills

Banks and Financial Institutions are in a competitive market, worldwide. To be successful, attract new customers both personal and corporate they must be seen to be excellent. This can only be achieved if internal systems are themselves excellent. This needs the staff to be fully aware of the business and how to obtain the very best from their resources. Subordinate staff are one such resource and they need to be managed in a way that obtains the best from them. This course will show participants how to manage staff, how to deal with problems and make decisions. Past participants have gone on to achieve success for themselves and their organisation. This course is for anyone in a position where they are responsible for managing staff.

Supervisory Skills

Many staff in Banks and Financial Institutions have qualifications and experience to enable them to do their work. However not many have learnt the most important skill of how to obtain the best from staff reporting to them. This course will cover in a most practical manner such important topics such as delegation, decision making, motivation and having the right attitude. This course is designed for newly promoted supervisors and managers and those who are about to assume such responsibilities.

Customer Service

Every business needs customers. Banks and Financial Institutions need customers and those particular customers need to receive more than just a service. They need to be understood, comforted, made to feel important and have all their queries and complaints answered. This applies to corporate and retail customers. Skills are needed to do this and this course will enhance existing skills so that customers will be retained as well as them recommending the bank to others. This course is for everyone whose work involves facing the customer. However, as every member of the public is a potential, if not existing customer, everyone in the organisation would benefit

Negotiation Skills

Everyone negotiates for something every day. So why not do it well? Contracts, terms of agreements, loans amongst other situations all need to be negotiated and it is necessary to achieve the best result. This course will help participants prepare for and open the negotiating process as well as making sure the bargaining element is fully appreciated and understood. There will be simulated negotiations relevant to the financial services industry. The course is designed for anyone who has or will have responsibilities for any part of a negotiation process

Time Management

We all have the same number of hours in every day. But how well or efficiently and effectively are they used? Anyone can be a good time keeper but are they a good time manager?. It is about the quality of the time spent. From dealing with interruptions, over long meetings or telephone calls to dealing with procrastination and excessive paperwork (including files on a computer) this course will help participants use their time better. The course does not try to impose a time management system like many courses but enables the participants to produce a plan to suit them. And it works! This one day course can be for everyone in the organisation.

Presentation Skills

Everyone makes presentations from time to time. It could be to fellow workers, in a meeting within the bank or financial institution or it could be to customers or at a conference or on radio or TV. Whatever the situation it is important that the presenter gives the best possible image of themselves and of their organisation. This course will show how to prepare a presentation and give tips and techniques for the actual delivery including the opening, the main body and the closure. Importantly the course will deal with how to overcome ‘nerves!’ This course is for everyone who regularly makes presentations and for those who expect to do so in the near future.

Credit Appraisal and Credit Management

Banks and Financial Institutions generally receive deposits from their customers. These funds are then invested so that a return may be earned. Most institutions will use these funds to make loans to customers both corporate and personal. It is essential that any loan made is secure to ensure the payment of interest and the repayment of the capital amount. Each application must be properly appraised before the loan is made and then monitored until the full amount is repaid. This course will show participants how this should be done without relying totally on computer based techniques. There are many other techniques that can be used.

This course is designed for anyone who has or soon will have a responsibility in identifying loan opportunities as well as those actively involved in the decision making process and monitoring phase.

Risk Management

Risk is inherent in any banks’ or financial institutions’ business models and therefore effective risk management is critical. This course will show in a practical way how the different types of risk (Credit, Operational, Market Liquidity, Legal and Regulatory and Reputation) can be identified and how they can be managed if not avoided. There will be an overview of lessons learned from risk management failures and best practice in the management of the different risks faced by a bank. The inter relationship between various types of risk will be examined as well as what the objectives of management should be. This course is for everyone who is involved in an area of risk.

Anti-Money Laundering, Fraud Detection & Prevention

Fraud and money laundering are rarely detected until it is too late. Fraud schemes themselves are not complex, but understanding the fraud scheme alone is not enough to detect fraud. This course will provide a thorough understanding of the workings of fraudsters in manipulating organizational resources for selfish motives that are criminal in nature and morally unethical. It also aims at providing sufficient knowledge on the background and regulations relating to money laundering for those working within the regulated financial services sector. The course will move beyond the theory of fraud prevention and compliance to giving you practical guidance on fraud prevention strategies, based on real-life examples. The program will enhance the knowledge and understanding of fraud and corruption risks by public officials and other external stakeholders. The topics to be covered will be from fraud investigation to fraud prevention, mitigation and prevention strategies, to real-time monitoring strategies across all divisions in the organization. The course includes cutting edge case studies and examples that you can readily use in your workplace!

Basic Bank Operations

The course will help the participants to understand Banking Practice and Law in Zambia, and the Banker-Customer relationship with its rights / duties thereof, thereby helping them to excel in service delivery and overall improvement of productivity of a financial institution.

Credit Reference Bureau and its impact on loan quality

One of the themes of this course is that the real credit standing of a borrower is rarely investigated and this has led to increased levels of credit default in the Zambian financial system. The course provides a thorough understanding of the significance of credit reference services in credit management and provides participants with practical guidance on accessing credit reference services. It also aims at providing sufficient knowledge on, among other important topics, the early warning signals in financial service providers and the legal and regulatory issues in the financial sector.

Branch Management Training

The course aims at helping managers and those being groomed to take on managerial positions to focus on crucial managerial, organizational and operational issues which are of particular importance to banking operations. The course will reinforce the branch managers’ competences and raise awareness on the importance of financial results and profitability of the bank. The course also focuses on Branch Operations, Risk Based Controls and Branch Supervision. This course is open to Branch Managers, Operations Managers, Marketing & Retail Personnel, Service Delivery Managers, etc.

Basel Capital Accord and its capital Implications

The Basel Capital Accord course seeks to make participants understand that Basel is the global standard on banking regulation and also aims to improve risk management and governance as well as strengthen banks’ transparency and disclosures. This is achieved by establishing rules to make sure that financial institutions hold enough capital to ensure continuation of a safe and efficient financial market and able to withstand any foreseeable problems.

Financial Sector Regulations Training

This course is aimed at enhancing the knowledge of financial institutions staff in the various financial sector regulations such as, the Banking and Financial Services Act (BFSA), their implications on the operations of a financial institution. The course will also discuss the Credit Reporting and the Financial Intelligence Centre Act.

The training targets Managing Directors, Company Secretaries, Heads of Legal departments including Compliance Officers.

Relationship Management

The course shows how Relationship Marketing stresses on building long term relationships with the parties who contribute to the organisations success

Property Lending Course

Over the past 10 years, Zambia has seen a rapid expansion in both commercial and residential property development. These circumstances have presented lending institutions with significant opportunities to put highly profitable loans on to their books but experience both in Zambia and elsewhere suggest that property loans carry disproportionately higher risk if not supported by appropriate loan structures and/or monitored closely. Surprisingly reports from US regulators and others suggest residential construction of single- family homes can hold the greatest risk.

This course will take attendees through the techniques that allow for an in-depth appraisal of property loans and mitigation of risk; it looks to suggest ways by which such loans can be monitored and controlled more effectively. The course draws attention to opportunities for fraud and misrepresentation that can unknowingly heighten a lenders risk exposure, and also includes an analysis on why construction and property development companies fail and the warning signs which should be looked out for.

Bank Teller Course

This course will benefit those who are new, recent or potential recruits to the world of handling and posting financial transactions in a financial institution, accepting money, and verifying cash with little or no knowledge of this front desk service. It is also suitable for tellers with practical experience.

 The courses are held at an appropriate, convenient venue in Lusaka, with lunch, refreshments and all materials. Full details will be given on enrolment.

IN-HOUSE COURSES

All courses can be delivered in-house.  Preparation for an in-house course begins with a meeting with a client to decide the exact content of the course being tailored specifically for the client. The venue is then agreed on such as own premises or Institute arranged venue.

Using the Institute as a first point of call for the courses is an economical option.

WHAT PARTICIPANTS HAVE SAID

The courses have been well attended by staff from banks, non-bank financial institutions, and other allied institutions. The participants’ feedback following the courses has been very complimentary and they have stated that the courses were very practical, interactive and that they had learnt a lot on the respective subject matters. They have also recommended these courses for their specific institutions, and particularly senior staff of their institutions.

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