Korea Certified Loan Officer (여신심사역) study guide
Korea Certified Loan Officer (여신심사역) · Work through your exam, one topic at a time.
The Korea Certified Loan Officer credential (여신심사역, sometimes rendered in English as KCLO) is a professional qualification for people who assess, approve, structure, and monitor credit in Korean financial institutions. Candidates typically work in corporate or retail credit review, credit risk, collateral and security administration, structured finance, or compliance and AML roles at banks, savings banks, capital companies, insurers, and credit-specialized institutions. The syllabus is broad rather than narrow: financial statement and credit analysis, corporate lending and working capital finance, project and structured finance, real estate and mortgage lending, credit risk and portfolio management, collateral valuation and security interests, loan documentation and recovery, financial regulation and AML, and professional ethics. Expect calculation-based item types alongside conceptual and legal questions, with a written or short-answer component reported in some administrations. The Korea Certified Loan Officer (여신심사역) study guide has 9 sections and about 1,527 words.
01신용분석·재무분석 (Credit Analysis and Financial Statement Analysis)
5C: Character(성실성), Capacity(상환능력), Capital(자본), Collateral(담보), Conditions(경기·산업). 유동비율=유동자산/유동부채, 부채비율=부채/자기자본, 이자보상배율=영업이익/이자비용, EBITDA/이자=이자보상의 현금기준 보조지표.
179 words, under 1 min02기업여신·운전자금 (Corporate Lending and Working Capital Finance)
운전자금대출은 단기 자금순환에, 시설자금대출은 CAPEX에 대응시킨다. 여신약정: 재무약정(부채비율·이자보상배율 유지), 부정약정(추가 담보 제공 제한), 기한이익상실(EOD) 사유를 명확히 한다.
148 words, under 1 min03프로젝트금융·구조화금융 (Project and Structured Finance)
시험은 SPC 구조, DSCR, 현금흐름 waterfall, 신용보강, 자산유동화의 true sale을 묻는다. SPC는 사업회사와 분리되어 bankruptcy remoteness를 확보한다.
191 words, under 1 min04부동산금융·주택담보대출 (Real Estate and Mortgage Lending)
시험은 LTV·DTI·DSR의 정의와 계산, 주택임대차보호법상 대항력·우선변제권, 근저당권 채권최고액, 말소기준권리를 묻는다. 담보가치는 KB시세·감정가·공시지가 중 심사기준에 따라 달라진다.
166 words, under 1 min05신용리스크 관리 (Credit Risk Management and Loan Portfolio Management)
시험은 PD·LGD·EAD·EL, Basel RWA, ECL 3단계, 자산건전성 분류, 집중위험과 스트레스 테스트를 묻는다. PD는 1년 내 부도확률, LGD는 부도 시 손실률, EAD는 부도 시 익스포저다.
164 words, under 1 min06담보평가·담보권 (Collateral Valuation and Security Interests)
169 words, under 1 min07여신서류·계약법·채권회수 (Loan Documentation, Contract Law, and Recovery)
대출 2억, 보증인 B, 근저당권 채권최고액 2.4억이라 하자. 부족액 6,000만원은 보증인 B에게 청구한다.
169 words, under 1 min08금융규제·컴플라이언스·자금세탁방지 (Financial Institution Regulation, Compliance, and AML)
시험은 은행법, 자본시장법, 특정금융정보법(특금법), CDD·EDD, PEP, STR·CTR, FIU, 내부통제를 묻는다. 특금법: 고객확인의무(CDD), 강화된 고객확인(EDD), 정치적 주요인물(PEP) 확인, 의심거래보고(STR), 고액현금거래보고(CTR).
167 words, under 1 min09