Professional Credit Certification (PCC)

Why Choose Professional Credit Certification (PCC)?


Leading credit specialisation

The Professional Credit Certification (PCC) is a programme for banking professionals who seek to equip themselves with the skills, knowledge and tools to advance in the demanding and rapidly changing field of credit management. By dedicating time and effort to complete PCC, you will be demonstrating your commitment towards attaining the highest standards of becoming a credit professional.

  • Academic learning with hands-on operational elements
  • Developed by Malaysian credit experts for local insights and practice
  • Clear education pathway to becoming credit professionals
  • Flexible online programme with optional classroom support


Learning Outcomes


The overall aim of the programme is to provide you with the knowledge and skills for an end-to-end credit management process. Upon completion of the programme, you will demonstrate a sound understanding to undertake advanced credit roles and responsibilities. PCC provides you with the recognition as a credit specialist, proving that your competency, skills and knowledge in credit are up-to-date, giving you the recognition and reputation as a credit specialist.

PCC Education Pathway


LEVEL 1
CERTIFIED CREDIT EXECUTIVE (CCE)

Certified Credit Executive provides you with a strong skill set for undertaking credit roles and responsibilities within a guided environment or policy framework.

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Who is it for?

Entry level executives in the banking industry aspiring to work in credit function.

Upon successfully completing the module:

Receive Certified Credit Executive Certificate
Advance to Level 2, Retail Credit Professional OR Business Credit Professional

LEVEL 2
RETAIL CREDIT PROFESSIONAL (RCP)

Retail Credit Professional expands your competence in credit skills and judgement with specialisation in retail credit.

Who is it for?

Banking professionals with several years of experience in credit.

Upon successfully completing the module:

Receive Retail Credit Professional Certificate

OR

LEVEL 2
BUSINESS CREDIT PROFESSIONAL (BCP)

Business Credit Professional expands your competence in credit skills and judgement with specialisation in business credit.

Who is it for?

Banking professionals with several years of experience in credit.

Upon successfully completing the module:

Receive Business Credit Professional Certificate

New Application

Transition Application

Level 1: Certified Credit Executive (CCE)


Syllabus Structure

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The Malaysian Financial System, Regulations and Ethics
1. The Malaysian Financial System
2. Laws and Regulations in Malaysian Banking
3. Ethics and Corporate Governance
Basic Credit Skills
1. Principles of Lending
2. The Credit Risk Assessment Framework
3. The CAMPARI Framework
4. Borrowers and their Legal Status
5. Credit Information and Its Verification
6. Loan and Securities Documentation
7. Landed Securities and Credit Support
8. Guarantees and Indemnities
Basic Accounting and Financial Statement Analysis
1. General Accounting Principles and Policies
2. Understanding Financial Statements
3. Quantitative Analysis of Financial Statements
4. Qualitative Aspects of Financial Statement Analysis
Credit Writing Skills
1. Overview of Report Writing
2. Language and Writing Styles
3. Introducing Credit Report Writing
4. Context of Credit Report Writing
5. Preliminary Sections and Introduction
6. Main Body of Discussion for a New Lending Proposal
7. Main Body of Discussion for Annual Review and Special Cases
8. Summarisation
9. Conclusions and Recommendations

Level 2: Retail Credit Professional (RCP)


Syllabus Structure

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Credit Environment and the Lending Process
1. Retail Lending Environment
2. Marketing and Business Development
3. Credit Information and Verification
4. Credit Evaluation and Structuring
5. Security Documentation and Support
6. Loan Disbursement
Consumer Lending Products and Services
1. Consumer Credit
2. Property Financing
3. Investment Financing
4. Hire-Purchase and Leasing
Lending to Small Business
1. Small and Medium Enterprise Lending
2. Evaluation of SME Applications
3. Financial Assessment
4. Lending Products for SMEs
Loan Portfolio Management
1. Loan Monitoring
2. Loan Collection and Recovery
3. Account Management

Level 2: Business Credit Professional (BCP)


Syllabus Structure

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Credit Analysis
1. Business Credit Analysis
2. Structure of Business Financing
3. Qualitative Risk Analysis
4. Components of Credit Risk
5. Competitive Strategies of Borrowers
6. Risk Identification Using SWOT Analysis
7. Risk Identification Using PEST Analysis
8. Risk Identification Using Asset Conversion Cycle
Advanced Financial Analytical Techniques
1. Advanced Financial Statement Analysis
2. Consolidated and Group Financial Statements
3. Financial Reporting and Accounting Standards
4. Financial Forecasting and Modelling
Loan Structuring and Legal Documentation
1. Loan Structuring
2. The Loan Agreement
3. Covenants in Loan Documentation
4. Property Security and Its Documentation
5. Debentures
6. Fixed Deposits
7. Shares and Unit Trusts
8. Standby Letters of Credit
9. Other Forms of Security
10. Other Credit Support and Documentation
Loan Monitoring, Rehabilitation and Recovery
1. Managing the Loan Portfolio
2. Identification of Warning Signs
3. Causes of Business and Credit Failure
4. Loan Rehabilitation and Business Recovery
5. Loan Recovery and Workouts

Programme Fees


Level 2020 Price (RM) per qualification
(Inclusive of 6% Service Tax)
Exam Re-sit Fee (RM)
(Inclusive of 6% Service Tax)
Certified Credit Executive 2,650 530
Retail Credit Professional 3,180 530
Business Credit Professional 3,180 530

Professional Credit Certification Education Pathway


ENTRY REQUIREMENTS
  1. Applicants are required to be Individual Members of AICB.
  2. Applicants must meet the following entry requirements.

STANDARD ROUTE

Qualification Entry Requirement
Certified Credit Executive (CCE) Available to individuals who possess:

  • SPM or an equivalent or higher qualification

The Institute may consider on a case-by-case basis, individuals who do not meet the minimum education requirements.

Business Credit Professional (BCP) OR Retail Credit Professional (RCP) Completed Certified Credit Executive

ACCELERATED ROUTE

Applicants can apply to enrol directly in the Business Credit Professional (BCP) or Retail Credit Professional (RCP) if they meet the following entry requirements.


Qualification Entry Requirement
Business Credit Professional (BCP) OR
Retail Credit Professional (RCP)
Available to individuals who:

  • possess relevant qualifications or have completed structured learning* programmes in the area of credit

OR

  • have completed a bank’s internal certification programme in the area of credit (6 days and above), accredited by the Finance Accreditation Agency (FAA)

* Structured learning refers to learning programmes or courses that are designed using instructional methodology.

Please click here for the list of qualifications recognised for BCP/RCP.

APPROVALS


  1. All applications for enrolments or exemptions will be processed in according to the requirements set out in the regulations.
  2. Applications will be processed upon receipt of full and complete documentation as stated in the Documentation section.
  3. Approvals for enrolments or exemptions will be granted based on the information/documents submitted and applicants may be contacted if additional information is required.
  4. Applicants whose qualifications and experience have been assessed by the Institute will be informed of the Institute’s decisions within 10 working days of the date of application, upon receipt of full and complete documentation.
  5. Where the applicant’s qualifications have not previously been assessed by the Institute, a longer processing time will be required.
  6. Applicants will be informed of the Institute’s decision via email.

Certified Credit Executive (CCE)


(a) Examination Format

 
CURRENT
UPDATED
CCE 3 CCE 4
Question Format 60 multiple-choice questions (MCQs) 20 MCQs & 2 descriptive questions (1 business credit case + 1 consumer credit case) One 3-hour examination comprising
Part 1 (70%)
70 MCQs – recall, understanding and application
Part 2 (30%)
2 caselets : consumer and business case
Click here for updated CCE Module
Duration of Exam 1.5 hours 2.5 hours 3 hours
Pass Mark 75% 60% 60%
Examination Type Closed book. Question paper is collected and returned after the examination. Closed book. Question paper is collected and returned after the examination Closed book. Question paper is collected and returned after the examination.
(b) Grade Bands

Results will be expressed in grade bands as follows:


Grade Band

Marks
CURRENT
UPDATED
CCE 3 CCE 4
Distinction 80% and above
Pass 75%  & above 60%  & above 60% – 79%
Fail 1 65% – 74%  50% – 59% 59% and below
Fail 2 50% – 64% 40% – 49%
Fail 3 30% – 49% 30% – 39%
Fail 4 29%  & below 29%  & below
(c) Time Limit
CURRENT UPDATED
A candidate must successfully complete all the four modules in CCE within three years of enrolment for the qualification failing which any module passes gained will be nullified. A candidate must successfully complete CCE within three years of enrolment for the qualification.
(d) Award Requirements
CURRENT UPDATED
Candidates must pass all four modules within three years to be awarded the Certified Credit Executive award. Upon achieving the award, candidates may progress to enrol for either the Retail Credit Professional qualification or the Business Credit Professional qualification. Candidates must pass the module within three years to be awarded the Certified Credit Executive award. Upon achieving the award, candidates may progress to enrol the Retail Credit Professional qualification or the Business Credit Professional qualification.

Retail Credit Professional (RCP) and Business Credit Professional (BCP)


(a) Examination Format
  CURRENT UPDATED
Question Format 80 independent multiple-choice questions (MCQs) and case-based /caselet based MCQs Part A : 60 independent MCQs (60%)
Part B : 20 case-based MCQs (2-4 caselets) (40%)
Click here for updated BCP & RCP Modules
Duration of Exam 3 hours 3 hours
Pass Mark 60% 60%
Examination Type Closed book.
Question paper is collected and returned after the examination.
Closed book.
Question paper is collected and returned after the examination.
(b) Grade Bands

Results will be expressed in grade bands as follows:

Grade Band
Marks
CURRENT UPDATED
Distinction 80% and above 80% and above
Pass 60% – 79% 60% – 79%
Fail 59% and below 59% and below
(c) Time Limit
CURRENT UPDATED
A candidate must successfully complete all the four modules in RCP or BCP within three years of enrolment for the respective qualification failing which any module passes gained will be nullified. A candidate must successfully complete the RCP and BCP module within three years of enrolment for the respective qualification.
(d) Award Requirements
CURRENT UPDATED
Candidates must pass all four modules in RCP or BCP within the time limit to be awarded the Retail Credit Professional or Business Credit Professional qualifications. Candidates must pass RCP and BCP module within the time limit to be awarded the Retail Credit Professional qualification or the Business Credit Professional qualification.

Certified Credit Executive (CCE)

Print
EXAM ACTIVITY SCHEDULE 2019  EXAM SITTING 
NOVEMBER 2019 
Application/Exemption Submission Closing Date # 12 Jul 2019 (Friday)
Exam Closing Date or Payment/LND Approval Closing Date 20 Sep 2019 (Friday)
Workshop Dates at ABS CCE 1: 7 – 9 Oct 2019
CCE 2: 21 – 23 Oct 2019
CCE 3: 30 Sep – 2 Oct 2019
CCE 4: 14 – 16 Oct 2019
Exam Dates 16 Nov 2019 (Saturday) 17 Nov 2019 (Sunday)
Exam Time 9.30 a.m. – 11.00 a.m.
Basic Accounting and Financial Statement Analysis (CCE 3)
9.30 a.m. – 11.00 a.m.
The Malaysian Financial System,  Regulations and Ethics (CCE 1)
1.00 p.m. – 3.30 p.m.
Credit Writing Skills
(CCE 4)
1.00 p.m. – 2.30 p.m.
Basic Credit Skills
(CCE 2)
Exam Result Release 10 Jan 2020 (Friday)
Exam Centres KL, JB, KK, PG

Important Notes:

# A candidate is required to apply for exemption(s) at the time of qualification enrolment (ie. application submission).  Applications made thereafter will not be considered. Applications for exemption(s) submitted without complete documentations will not be processed.

Disclaimer:

  1. AICB reserves the right to cancel, suspend, interrupt or reschedule any examinations and will not be liable for any claims, actions, costs, charges, expenses, damages, losses and liabilities due to the cancellation/deferment of these examinations.
  2. Training workshops for AICB qualifications are conducted by the Asian Banking School (ABS). Candidates are required to check ABS’ website for the latest workshop dates at https://www.asianbankingschool.com/our-programmes/professional-qualifications.
  3. Candidates are required to complete their qualification enrolments with AICB before registering for training workshops with the Asian Banking School (ABS), through ABS’ website: asianbankingschool.com. Terms and conditions apply.
QUALIFICATION ENROLMENT & EXAMINATION SCHEDULE FOR 2020

Important Notes:

  1. The workshop dates for CCE will be available on the website in November 2019.
  2. Training workshops for AICB qualifications are conducted by the Asian Banking School (ABS). Candidates are required to check ABS’ website : asianbankingschool.com for the latest workshop dates.
  3. AICB reserves the right to cancel, suspend, interrupt or reschedule any examinations and will not be liable for any claims, actions, costs, charges, expenses, damages, losses and liabilities due to the cancellation/deferment of these examinations.
  4. Please adhere to the above closing dates to avoid any delays in the enrolment or registration process.

Business Credit Professional (BCP)


Important Notes:

# A candidate is required to apply for exemption(s) at the time of qualification enrolment (ie. application submission).  Applications made thereafter will not be considered. Applications for exemption(s) submitted without complete documentations will not be processed.

 Disclaimer:

  1. AICB reserves the right to cancel, suspend, interrupt or reschedule any examinations and will not be liable for any claims, actions, costs, charges, expenses, damages, losses and liabilities due to the cancellation/deferment of these examinations.
  2. Training workshops for AICB qualifications are conducted by the Asian Banking School (ABS). Candidates are required to check ABS’ website for the latest workshop dates at https://www.asianbankingschool.com/our-programmes/professional-qualifications.
  3. Candidates are required to complete their qualification enrolments with AICB before registering for training workshops with the Asian Banking School (ABS), through ABS’ website: asianbankingschool.com. Terms and conditions apply.
QUALIFICATION ENROLMENT & EXAMINATION SCHEDULE FOR 2020

Important Notes:

  1. Training workshops for AICB qualifications are conducted by Asian Banking School (ABS). Candidates are required to check ABS’ website : asianbankingschool.com for the latest workshop dates.
  2. AICB reserves the right to cancel, suspend, interrupt or reschedule any examination to another date and will not be liable for any claims, actions, costs, charges, expenses, damages, loss and liability due to the cancellation/deferment of these examinations.
  3. Please adhere to the above closing dates, otherwise AICB will not be responsible for any delay in the enrolment or registration.

Retail Credit Professional (RCP)


Important Notes:

# A candidate is required to apply for exemption(s) at the time of qualification enrolment (ie. application submission).  Applications made thereafter will not be considered. Applications for exemption(s) submitted without complete documentations will not be processed.

Disclaimer:

  1. AICB reserves the right to cancel, suspend, interrupt or reschedule any examinations and will not be liable for any claims, actions, costs, charges, expenses, damages, losses and liabilities due to the cancellation/deferment of these examinations.
  2. Training workshops for AICB qualifications are conducted by the Asian Banking School (ABS). Candidates are required to check ABS’ website for the latest workshop dates at https://www.asianbankingschool.com/our-programmes/professional-qualifications.
  3. Candidates are required to complete their qualification enrolments with AICB before registering for training workshops with the Asian Banking School (ABS), through ABS’ website: asianbankingschool.com. Terms and conditions apply.
QUALIFICATION ENROLMENT & EXAMINATION SCHEDULE FOR 2020

Important Notes:

  1. The workshop dates for RCP will be available on the website in November 2019.
  2. Training workshops for AICB qualifications are conducted by the Asian Banking School (ABS). Candidates are required to check ABS’ website : asianbankingschool.com for the latest workshop dates.
  3. AICB reserves the right to cancel, suspend, interrupt or reschedule any examinations and will not be liable for any claims, actions, costs, charges, expenses, damages, losses and liabilities due to the cancellation/deferment of these examinations.
  4. Please adhere to the above closing dates to avoid any delays in the enrolment or registration process.

DOCUMENTATION


Applications will only be processed upon receipt of full and complete documentation. Applicants who submit incomplete applications (i.e. applications with incomplete details or supporting documents) will be given five working days to provide the required information and/or documentation, failing which the application will not be processed.

The documents required are as follows:

Qualification Documents Required
 Standard Route (Enrolment)  Accelerated Route (Exemption)
Certified Credit Executive (CCE)
  • Certificate of qualification (min SPM or an equivalent or higher qualification)

The Institute may consider on a case-by-case basis, individuals who do not meet the minimum education requirements.

Proof of completion of relevant qualifications, structured learning programmes or the bank’s internal certification programme.
Business Credit Professional  (BCP)

OR

Retail Credit Professional (RCP)

  •  Certified Credit Executive Certificate
Proof of completion of relevant qualifications, structured learning programmes or the bank’s internal certification programme.

Important notes

1. The qualification certificates/examination transcripts submitted must be certified as true copies by one of the following individuals:

  • a university official; OR
  • a Notary Public; OR
  • a Commissioner for Oaths; OR
  • an officer of the employing organisation; OR
  • other such persons or agents as may be approved by Institute.

2. The signatory must sign and date the documents, and provide the following details:

  • name
  • designation
  • email
  • contact number

3. If the documents are not in English or Bahasa Malaysia, translated documents by a certified translator must be appended to the submission. The credentials and contact information of the certified translator must be stated.

4. Qualification certificates that are submitted for enrolments or exemptions must be awarded by universities/higher education institutions recognised by the awarding country’s Ministry of Higher Education or its equivalent, or the national qualification accreditation agency.

5. Malaysian qualifications should be listed in the Malaysian Qualifications Register (MQR) or on the Finance Accreditation Agency (FAA) website.

6. AICB reserves the right to contact the awarding institute to verify the authenticity of the applicant’s qualifications.

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