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.

Commercial Real Estate Lending: U.S. Edition

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Assess the unique risks that commercial properties present

What is Commercial Real Estate Lending?

Specifically developed for the US market, the Commercial Real Estate Lending (CREL) course teaches lenders how to thoroughly evaluate investment real estate financing opportunities. Leveraging the Real Estate Lending Decision Strategy™ framework lenders will be able to navigate ownership structures, repayment sources, underwriting and how to properly document and manage a commercial real estate loan.

What will you learn?

Evaluate a commercial real estate opportunity, including the project’s management, ownership, market and property
Calculate and evaluate cash flow, existing and stabilized net operating income, debt service coverage, debt yield and maximum supportable loan amount
Determine the value of a commercial real estate property as a secondary source of repayment
Identify the appropriate loan documentation needed for different types of real estate transactions
Recognize the steps necessary to properly monitor a construction loan

Why Moody’s Analytics eLearning:

You will remain engaged in training, thanks to our interactive lessons and quizzes
You complete module-level pretests that will help you identify where to focus your studies
You develop skills you can immediately apply on the job, instantly transforming your performance

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