The Qualifi Level 7 Diploma in Asset-based Lending is an advanced qualification designed for professionals in the finance and lending sectors who wish to specialize in asset-based lending (ABL). This Ofqual-regulated qualification offers a comprehensive understanding of the principles, practices, and legal frameworks surrounding ABL, making it an invaluable qualification for individuals looking to enhance their expertise and career prospects in this specialized field.
Asset-based lending is a form of financing where loans are secured against assets such as real estate, inventory, or receivables. This method provides businesses with liquidity by using their assets to secure capital, often in situations where traditional financing options may not be available. With businesses increasingly turning to asset-based lending as a flexible and reliable financing option, professionals with expertise in this area are in high demand.
The Qualifi Level 7 Diploma in Asset-based Lending is an ideal choice for finance professionals who want to gain a deeper understanding of the dynamics of ABL and its role in business financing. This qualification covers a range of topics that are essential for anyone working in or entering the asset-based lending sector, including financial analysis, risk management, legal frameworks, and the operational processes involved in ABL transactions.
The Qualifi Level 7 Diploma in Asset-based Lending is a highly valuable qualification for professionals in the finance and lending sectors who wish to specialize in asset-based financing. Through its Ofqual-regulated curriculum, flexible assignment-based learning, and comprehensive coverage of key topics such as financial analysis, risk management, and legal frameworks, this diploma equips learners with the skills and knowledge required to excel in the asset-based lending industry. Whether you are looking to advance your career, transition into asset-based lending, or deepen your expertise, this qualification provides a robust foundation for success in this dynamic field.
Qualifi Level 7 Diploma in Asset-based Lending
Qualifi Level 7 Diploma in Asset-based Lending consists of 8 mandatory units having 1200 TQT and 480 GLH. Candidates must complete all of the following Mandatory units.
| Sr# | Unit Title | Credits | GLH |
| 1 | Foundation of Asset-based Lending | 14 | 56 |
| 2 | Asset-based Lending for Underwriters | 15 | 60 |
| 3 | Inventory Lending | 15 | 60 |
| 4 | Field Examinations (audit) -Accounts Receivables | 18 | 72 |
| 5 | Field Examinations (audit) Inventory | 18 | 72 |
| 6 | Financial Statement Analysis | 14 | 56 |
| 7 | Account Management | 14 | 52 |
| 8 | Operations/Collateral Analysis | 13 | 52 |
GLH (Guided Learning Hours) and TQT (Total Qualification Time) are terms commonly used in vocational qualifications to help define the amount of time a learner is expected to spend on their studies.
1. GLH (Guided Learning Hours)
GLH refers to the number of hours a learner spends being directly taught, supervised, or supported during their course. This includes the time spent in activities such as:
- Classroom instruction
- Practical workshops
- One-on-one tutoring or mentoring sessions
- Online learning sessions with tutor support
In other words, GLH represents the time that learners are actively engaged with their instructors or learning activities.
2. TQT (Total Qualification Time)
TQT represents the total amount of time a learner is expected to invest in completing a qualification, including:
- GLH (Guided Learning Hours): Time spent on direct learning, as explained above.
- Self-Directed Learning: This includes time spent on independent study, research, assignment completion, preparation for exams, and any other work the learner does outside of direct teaching hours.
TQT is a broader measure that includes all the time required to achieve the qualification. It helps learners and employers understand the overall commitment required for the qualification.
Key Differences Between GLH and TQT:
- GLH focuses on direct learning with guidance or supervision.
- TQT includes GLH as well as independent study time and other learning-related activities.
Example:
If a qualification has a TQT of 600 hours and a GLH of 250 hours, it means the learner should spend 250 hours in direct learning (classroom, online, or tutor-led sessions) and 350 hours on independent study or research.
Learning Outcomes of Qualifi Level 7 Diploma in Asset-based Lending
Foundation of Asset-based Lending (ABL)
- Understand how asset-based lending has evolved and its strategic role in managing risk in a commercial lending environment.
- Assess the risk parameters involved in asset-based lending and how to structure an asset-based loan.
- Understand the cash conversion cycle (CCC) and its role in ABL.
- Evaluate the business and associated risks in collateral lending.
Asset-based Lending for Underwriters
- Analyse historic financial information and extrapolate the analysis to evaluate profitability and cash flow projections.
- Manage the risks inherent in asset-based lending.
- Configure and evaluate an exit strategy when underwriting the asset-based lending facility.
Inventory Lending
- Understand the complexity of inventory as pledged collateral in the asset-based lending sector.
- Analyse the application of tools and techniques determining the advance rates appropriate to individual proposals.
- Monitor the performance of the inventory risk throughout the life cycle of the loan
- Assess the market value and determine the most appropriate exit strategy.
Field Examinations (audit) –- Account Receivables
- Verify data supplied to lenders.
- Review various data sources, perform analysis and determine material issues.
- Draw conclusions and make recommendations to safeguard the value of collateral.
- Appraise the results of the field examination.
Field Examinations (audit) Inventory
- Verify data supplied to lenders.
- Review various data sources, perform analysis and determine material issues.
- Draw conclusions and make recommendations to safeguard the value of collateral.
- Review the results of the field examination.
Financial Statement Analysis
- Understand the purpose and uses of financial analysis in an asset-based lending (ABL) environment.
- Determine the ability of a business to generate sufficient funds to repay borrowings and to assess the future viability of the business through the application of tools and techniques.
Account Management
- Assess financial performance issues.
- Evaluate collateral issues.
- Assess forecasting – bank funding availability.
- Evaluate reports from supporting functions.
Operations/collateral analysis
- Understand the area /concept of operational control and be able to analysis data, information and trends.
- Appraise the operation of client accounts in accordance with collateral agreement.
- Appraise account operational issues in accordance with collateral agreement.
1. Ofqual-Regulated Qualification
The Qualifi Level 7 Diploma in Asset-based Lending is an Ofqual-regulated qualification, ensuring it meets high academic standards recognized across the financial services industry. This recognition enhances the credibility of your qualification and supports career advancement opportunities.
2. Flexible, Assignment-Based Learning
The course is entirely assignment-based, providing flexibility for professionals who need to balance work and study. This format allows learners to apply theoretical knowledge to real-world scenarios, making it easier to integrate learning into their daily job responsibilities. It also eliminates the pressure of traditional exams, offering a more practical and personalized learning experience.
3. Specialized Knowledge in Asset-Based Lending
The diploma offers in-depth knowledge of asset-based lending (ABL), covering key areas such as financial analysis, risk assessment, collateral management, and legal frameworks. This specialized knowledge makes you a valuable asset to any financial institution or firm involved in ABL transactions.
4. Career Advancement
Completing the Qualifi Level 7 Diploma significantly boosts your career prospects. It opens doors to senior roles in the finance sector, such as loan officers, credit analysts, risk managers, and portfolio managers in asset-based lending firms, banks, or financial institutions. The diploma is designed to equip you with the skills necessary for high-level decision-making and management in ABL.
5. Practical Application of Skills
The course focuses on real-world application. Through assignments, learners get to tackle actual challenges faced in asset-based lending transactions, such as asset valuation, loan structuring, and risk mitigation. This ensures that by the time you complete the course, you are equipped to handle the practical aspects of ABL with confidence.
6. Global Recognition and Opportunities
As an Ofqual-regulated qualification, the diploma is recognized internationally, allowing you to pursue career opportunities in the global finance industry. Whether you aim to work for international banks, financial advisory firms, or wealth management institutions, this qualification can enhance your employability worldwide.
7. Enhanced Decision-Making and Risk Management Skills
The course develops your ability to assess financial health, evaluate risk, and manage ABL transactions effectively. You will gain expertise in risk management and financial analysis, ensuring that you can make sound, informed decisions when dealing with asset-based lending arrangements.
8. Comprehensive Coverage of ABL Processes
From the initial asset evaluation to collateral management and understanding the legal aspects of ABL, the course provides a comprehensive view of the entire process. This well-rounded knowledge helps ensure you can handle every stage of an ABL transaction with confidence and expertise.
9. Improved Professional Credibility
Earning this qualification boosts your professional credibility, positioning you as a highly skilled expert in the asset-based lending sector. Employers and clients alike will recognize your commitment to gaining advanced knowledge and your capability in managing complex lending transactions.
10. Access to a Network of Professionals
By completing the Qualifi Level 7 Diploma in Asset-based Lending, you gain access to a network of professionals in the finance and lending sectors. This network can provide valuable connections, insights, and collaboration opportunities throughout your career.
Conclusion
The Qualifi Level 7 Diploma in Asset-based Lending offers a wealth of benefits for professionals seeking to advance their careers in the finance and lending sectors. With its Ofqual-regulated status, practical assignments, and specialized focus on ABL processes, the course ensures learners are equipped with the knowledge and skills required to succeed in asset-based lending roles. Whether you’re looking to enhance your current career, transition to a specialized lending role, or broaden your professional expertise, this qualification provides the necessary foundation for success
The Qualifi Level 7 Diploma in Asset-based Lending is designed for experienced professionals in the financial sector who want to specialize in asset-based lending or further develop their skills and expertise in this growing area of finance. The ideal learner is someone with a solid understanding of financial services, lending, and risk management who is seeking to gain advanced knowledge of asset-based lending practices.
1. Finance Professionals and Loan Officers
- Loan officers, credit analysts, and risk managers working in banks, financial institutions, or lending companies who wish to deepen their understanding of asset-based lending and enhance their decision-making skills.
- Professionals already involved in the lending process will benefit from the in-depth coverage of asset evaluation, loan structuring, and risk management practices provided by the qualification.
2. Risk Analysts and Credit Assessors
- Those working as risk analysts, underwriters, or credit assessors who wish to acquire specialized knowledge in asset-based lending transactions. This qualification will equip them with the necessary skills to assess the risks associated with using assets as collateral and to improve their ability to evaluate loan portfolios and manage credit risk.
3. Financial Managers and Advisors
- Financial managers and advisors looking to expand their expertise in asset-based financing. The qualification will help them advise clients more effectively on asset-based lending solutions, tailor financing options, and structure loans that best suit client needs.
4. Business Consultants and Commercial Bankers
- Business consultants and commercial bankers who work with corporate clients and are interested in gaining expertise in asset-based lending as a financial solution for businesses. Consultants who want to advise companies on how to use assets for financing purposes will find the knowledge gained invaluable in guiding clients through asset-based financing opportunities.
5. Professionals Seeking Career Advancement
- Individuals looking to advance their careers in financial services or lending by gaining a specialized qualification in asset-based lending. The Qualifi Level 7 Diploma will open doors to senior roles, such as ABL managers, portfolio managers, or financial risk directors in asset-based lending firms, banks, or other financial institutions.
6. Entrepreneurs and Business Owners
- Entrepreneurs or business owners who are involved in asset-based lending or planning to access financing using their business assets. The course will provide them with the knowledge required to navigate the asset-based lending process and use it strategically for their businesses.
7. Candidates with Relevant Educational Background
- Individuals with a Level 6 qualification (such as a Bachelor’s degree or equivalent) in finance, business, economics, or related fields who want to specialize in asset-based lending. The course is suitable for those who already have a solid foundation in finance and want to acquire a deep understanding of asset-based lending techniques.
8. Individuals Seeking a Flexible Learning Experience
- Professionals who are working full-time and require a flexible, assignment-based learning format. This diploma’s flexible approach allows learners to apply their learning to real-life scenarios, making it ideal for those who need to balance work, study, and personal commitments.
Summary
The Qualifi Level 7 Diploma in Asset-based Lending is ideal for professionals in finance and lending roles who wish to specialize in asset-based financing, whether they are working as loan officers, credit analysts, financial managers, or consultants. With its advanced content and real-world applications, this qualification is also perfect for individuals looking to advance their careers in asset-based lending and gain recognition as experts in this field
Entry Requirements
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Qualification Process
Qualification Process for the Qualifi Level 7 Diploma in Asset-based Lending
- Self-Assessment:
Begin by evaluating your eligibility to ensure you meet the qualification requirements, including work experience, knowledge, and language proficiency. - Registration:
Complete your registration by submitting the required documents, including a scanned copy of a valid ID, and paying the registration fee. - Induction:
An assessor will conduct an induction to confirm your eligibility for the course and explain the evidence requirements. If you do not meet the criteria, your registration will be canceled, and the fee will be refunded. - Assignments & Evidence Submission:
Provide all assignments and the necessary evidence based on the assessment criteria outlined in the course. If you are unsure of the required evidence, consult with the assessor for guidance on the type and nature of evidence needed. - Feedback and Revision:
The assessor will review your submitted evidence and provide feedback. Evidence that meets the criteria will be marked as “Criteria Met,” while any gaps will be identified. You will be asked to revise and resubmit if needed. - Competence Evidence:
Submit final evidence demonstrating that all learning outcomes have been met. This evidence will be marked as “Criteria Met” by the assessor once it is satisfactory. - Internal Quality Assurance (IQA):
The Internal Quality Assurance Verifier (IQA) will review your evidence to ensure consistency, quality, and compliance with standards. - External Verification:
The IQA will submit your portfolio to Qualifi’s External Quality Assurance Verifiers (EQA) for final confirmation. The EQA may contact you directly to verify the authenticity of your evidence. - Certification:
Upon successful completion of all checks, Qualifi will issue your official certificate, confirming that you have attained the Qualifi Level 7 Diploma in Asset-based Lending.
