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 – Commercial Real Estate

In the current distressed market, commercial real estate (CRE) lenders are faced with many challenges. They must assess economic and market trends, identify the current risks to commercial properties, and closely monitor their existing loans portfolio.

In addition, lenders will need to assess a property’s ability to withstand a changing competitive environment and determine whether the existing credit facility is viable.

Short on time, long on needs?

The Commercial Real Estate 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.

The course reviews the different types of risks inherent in real estate deals, guides participants through cash flow and coverage analyses, and highlights issues of valuation in a distressed market so they can explore the best solutions to manage and mitigate risk with confidence.

What will participants learn and be able to do?

Evaluate the impact of market trends and the economic environment on commercial real estate viability
Identify the factors affecting cash flow, and formulate projections for a property’s future performance
Identify specific risks to a commercial property’s cash flow and valuation arising from the market recession
Explain the impact of the distressed market on the debt service coverage ratio
Analyse the variables in a sensitivity analysis and determine the effect of current market trends
Identify the characteristics of distressed real estate loans and develop strategies for dealing with them

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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