What is Minimizing Conduct Risk?

Moody's Analytics' Minimizing Conduct Risk (MCR) is an essential e-learning course that addresses the root causes of employee misconduct. The course makes employees aware of common, pervasive influences, pressures, and biases that can lead to unethical behavior, and provides guidance on how to overcome them. , MCR begins by defining conduct risk and establishing a foundation for understanding its consequences for clients, the institution, and the employee. It then provides deep awareness – accompanied by many examples from different areas of the institution – of critical factors that contribute to sub-optimal employee behavior. These factors include (i) job-related and outside influences, (ii) job requirements and team pressures, and (iii) heuristics and biases. Finally, the course provides actionable tips and techniques for mitigating, overcoming, or altogether avoiding these influences to minimize conduct risk and its negative impact.

What will you learn by taking this course?

Know how to treat internal and external customers fairly, along with the implications of not doing so , Appreciate the nature of working in a financial institution and the stresses it creates , Understand fiduciary responsibility and what it means to properly care for customer resources , Be aware of influences, pressures, and biases to which you're frequently subjected, and how they can make it difficult to behave ethically, even when you're trying to do the right thing , Have tools and techniques at your disposal that give you greater control over your actions and decrease the likelihood of personal misconduct.

All financial institution employees. There is no prerequisite course work or experience.

Microlearning: DMS – Business Lending

In distressed markets, financial institutions face both an increase in requests for new credit, and an increase in the volume of missed loan payments, covenant breaches, nonperforming loans, and consequently, provision levels.

Short on time, long on needs?

In this environment, lenders will need to closely monitor their existing portfolios, understand the impact of a distressed market on cash flow, and determine the future viability of businesses.

The Business Lending segment of our Distressed Markets series addresses these challenges and provides an impactful way to reinforce employees’ competencies with just under three hours of training time.

With minimal downtime, employees will be better able to understand the impact of a distressed environment, reassess risk and its parameters under distressed conditions, and explore the best solutions to manage and mitigate risk with confidence.

What will participants learn and be able to do?

Analyze industry, management, and regulatory risk to determine whether a business can recover from financial distress
Understand borrower financing needs, activity ratios, and facilities to restart the working capital cycle
Determine the effect on cash flow arising from government stimulus packages and regulatory forbearance
Understand the factors affecting sales and profitability, formulate projections, and determine future profitability
Be empathetic and genuine, build client trust, and manage their own emotions when having difficult conversations

Why Moody’s Analytics eLearning:

Moody’s has the expertise and a range of solutions to help bankers across Retail, Small Business/SME, Commercial and Corporate Banking support their clients and protect the Bank’s interests
Employees will remain engaged in training, thanks to our interactive, multimedia lessons, quizzes and application exercises
Employees will reinforce and develop new skills, so they can immediately apply them on the job, instantly transforming their performance
Employees will elevate their professional skills by completing a course from a globally recognized leader in the credit training space

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