Rating systems and credit risk management have entered a new stage. By having participants in direct contact with top faculty and other professionals who bring diverse experiences to the classroom, the three-day program allows participants to focus on the critical areas of model building, managing techniques, policies and organizational solutions, within the requirements and implications of a new regulatory framework. The program is designed for professionals and managers involved in improving credit risk management and control in their organization and for those who want to align tools, policies and organizational choices to new business needs and the new Europe-driven supervisory environment. The primary teaching method used in the seminar is class discussion within an established conceptual framework. Executive and professional participants are well aware of critical issues in credit risk management within their organization, and therefore can bring the complexity of real situations to class. This is much more effective than traditional case-study learning or one-way lecturing.