Description
This course will introduce you to the different stages of creating a consumer credit file, in its administrative, regulatory and technical aspects. He will show you how to build a credit file while respecting the law and ethics.
Who is this training for ?
For whom ?Customer service representatives in the bank. Employees of the Compliance, Legal, Risk and other departments, concerned with the granting or control of consumer credit.
Prerequisites
Training objectives
Training program
- Understand the legal context of consumer credit
- - The Lagarde law of July 1, 2010: customer protection measures and those concerning transparency.
- - The loans concerned: the customer's needs, the types of goods financed.
- - Exclusions.
- - OPC: the prior OPC credit offer.
- - Practical work Exchange: orient yourself in the legislation in force.
- Know the advisor’s obligations before signing the contract
- n'as pas encore du programme
- Discerning the contractual obligations of the financial partner
- - Drafting the credit contract: conclusion, reflection, withdrawal.
- - The content of the contract: general points to be explained.
- - Specificity of personal loans.
- - Specificity of revolving credits.
- - Specificity of LOA: Rental with Purchase Option.
- - Case of overdraft in account.
- - The marital status and the solidarity or not of the contracting parties: marriage, PACS, cohabitation.
- - Practical work Setting up a credit transaction.
- - Drafting the credit contract.
- Understand the post-contractual obligations of the financial partner
- - The rights and obligations of the borrower: obligation to repay and early repayment.
- - The rights and obligations of the lender: obligation to inform guarantors and observe the BdF file.
- - Potential contractual modifications.
- - How to prevent borrower default? The concept of over-indebtedness and the main principles of an over-indebtedness procedure.
- - Practical work Identification of events that could impact the life of the credit.
