Mortgage Credit Directive (MCD)

e-learning

Quel niveau est visé à l’issue de la formation ?

Avancé

Combien de temps dure la formation ?

 2,00 heure(s)

Dans quelle(s) langue(s) la formation est-elle donnée ?

EN FR

Quand a lieu la prochaine session ?

Qui organise cette formation ?

At Deloitte, we realize that training is a key factor for the evolution and development of both individuals and companies. We offer a wide range of regulatory and non-regulatory training programs, covering both "hard and soft skills", which are standardized or customized, in a digital or face-to-face format.

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À qui s’adresse la formation ?

  • Board
  • Management
  • Operations.

Quels sont les objectifs poursuivis ou les compétences visées ?

In this eLearning you will be guided through different modules by following the storyline of Ben the Banker who has his first client meeting as an analyst in the credit department.

By the end of this training, you will be able to:

  • Define the different stages of a mortgage loan;
  • Understand the banker's role during the credit process;
  • Understand the whole process, from client onboarding to post- credit cycle;
  • Understand the influence of MCD on client relationships;
  • Discuss instalments’ changes with contact persons and apply specific key behaviors;
  • Be aware of pre-credit and post-contractual obligations; and
  • Understand the process to assess the consumer's creditworthiness.

Quel est le contenu de la formation ?

1. Introduction

  • Context and objectives
  • Scope of the training
  • Key principles and concepts.

2. Pre-contractual and marketing phase

  • General information
  • Marketing activities
  • Tying and bundling practices
  • Creditor behaviors.

3. Getting ready for loan

  • Advisory services
  • Adequate explanations
  • ARPC calculation
  • Creditworthiness assessment.

4. Going through ESIS

  • The ESIS model
  • Interest rates and other costs
  • Instalments and amounts
  • APRC calculation.

5. Post-contractual obligations

  • Early repayment
  • Variable credit rates
  • Foreign currency loans
  • Arrears and foreclosure.

6. Knowledge check

  • Random selection of questions.

Quelles méthodes pédagogiques sont utilisées ?

DLearn offers a dynamic approach to digital learning:

  • All sessions are modular and easy to customize to perfectly fit your needs
  • The units (maximum 15 minutes) are incorporated in an interactive storyline.

Comment l’évaluation est-elle organisée ?

At the end of this eLearning, the learner will be evaluated on the topic via a knowledge check.

Que recevez-vous à la fin de la formation ?

Our MiFID II eLearning is part of our CSSF MiFID II training program. An official certificate will be delivered upon validation.

Quel support de cours est fourni ?

All our eLearning courses are available on the DLearn platform or can be provided directly in SCORM format.

Quelles informations supplémentaires sont utiles à savoir ?

All our eLearnings are customizable for any industry.

Comment contacter l’organisme de formation ?

Isabelle Dricot

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