What is the Certified Mortgage Banker?

The Certified Mortgage Banker is a globally recognised professional certification by the Global Leadership Institute (GLI), designed to equip professionals with advanced competencies in Soft Skills & Personal Dev..

How long does this certification take?

The programme is 10 Weeks and can be completed at your own pace through our self-paced online option, or alongside live virtual sessions.

Is this certification globally recognised?

Yes. GLI certifications are internationally recognised and carry CPD credits, making them valuable for career advancement worldwide.

What level is this certification?

This is a Intermediate Level certification, suitable for professionals with relevant experience or background in the field.

You can enrol by emailing info@certifications.ac, contacting us via WhatsApp at +254 722 223 084, or filling the enrolment form below.

Certified Mortgage Banker in Zimbabwe | CMB

Course Curriculum

Programme Modules

Click any module to explore the detailed curriculum topics included in this certification.

Foundations and Strategic Context of Certified Mortgage Banker

Certified Mortgage Banker: industry context, trends and professional standards
The banking system, intermediation and financial markets
Types of banks and financial institutions
Banking products, services and delivery channels
The regulatory landscape and central banking
Roles, conduct and professional standards in banking
The bank balance sheet and how banks make money
Financial inclusion and the evolving customer
Ethics and integrity in banking
Digital disruption and the future of banking
Career pathways and professional development

Portfolio Quality and Restructuring

Expected credit loss and portfolio quality
Audit evidence, sampling and professional scepticism
Internal control and the fraud triangle
Negotiation with banks, investors and suppliers
Managing audit and regulator relationships
Financial storytelling and data visualisation
Leading finance projects and change
Team leadership within finance
Finance transformation and target operating models
Process re-engineering and shared services
Digital finance and automation roadmaps
Change management in finance
Managing resistance and upskilling teams
Data-driven and real-time finance
Analytical techniques and bias

Compliance in Lending

AML, KYC and financial crime prevention
Financial regulation and prudential supervision
Internal control and the fraud triangle
Preparing financial statements
Governance of controls and reporting
Financial reporting frameworks (IFRS/GAAP)
Corporate income tax and computations
Interpreting financial statements
Management accounts and dashboards
Tax planning, avoidance and evasion distinguished
Transfer pricing and international tax
Statutory compliance and filings
Regulatory reporting and disclosure
Managing tax risk and audits
Ethics and transparency in tax

Assessing Capacity, Not Collateral

Credit assessment and the five Cs
Accrual accounting and the profit-cash gap
Reading financial statements as a manager
Process efficiency and cycle-time metrics
Benchmarking finance against best practice
Quality, accuracy and error reduction
Continuous improvement and lean finance
Cost-to-serve and value-for-money analysis
Finance maturity assessment
Driving measurable financial improvement
Capstone scoping: a real financial problem or decision
Data gathering and financial analysis
Building a model, budget or business case
Risk assessment and sensitivity analysis
Recommendations and decision support

The Five Cs in Thin-Data Markets

Credit assessment and the five Cs
Financial inclusion and serving underbanked markets
Reading financial statements as a manager
KPIs and performance reporting
Reporting automation
Budget vs actual and variance
Trade finance and letters of credit
Cost and profitability analysis
Forecasting and planning
Decision support and insight
Communicating financial results
Cheque clearing and processing
Psychodynamic and psychoanalytic approaches
Attachment and developmental theory
Back-office processing and controls

Structuring to the Cash Cycle

Credit assessment and the five Cs
Treasury, liquidity and currency exposure
Accrual accounting and the profit-cash gap
Financial modelling and forecasting discipline
Receivables, collections and credit control
Payables, procurement controls and supplier fraud
Payroll, statutory deductions and employment cost
Tax compliance and the tax risk agenda
Applying reporting standards and accounting judgement
Digital finance, mobile money and payment operations
Insurance, risk transfer and retained risk
The finance function, month-end close and reporting cycle
SME and relationship lending in practice
Professional roles, boundaries and settings
Ethical principles and codes of practice

Expected Credit Loss and Staging

Expected credit loss and portfolio quality
Financial regulation and prudential supervision
Credit assessment and the five Cs
Peer support and consultation
Sustaining ethical, effective practice
Ethical frameworks and codes of practice
Duty of care and risk management
Record-keeping and data protection
Complaints, accountability and fitness to practise
Evidence-based improvement
Managing risk and difficult cases
Lessons learned and development
Driving effective, ethical outcomes
Designing and facilitating groups
Psychoeducation and workshops

Analysis and Decisions

Working with organisations on wellbeing
Ratio and trend analysis
Valuation and security analysis
Trend, common-size and comparative analysis
Pricing, contribution and product decisions
Make-or-buy and outsourcing decisions
Investment and disinvestment decisions
Budgeting, forecasting and variance analysis
Costing methods and relevant cost for decisions
Discovery and needs analysis
Make, buy or ally: boundary decisions
Financial statement and cash-flow analysis
Problem loans, restructuring and recovery
Stress testing and scenario analysis
Customer segmentation and needs analysis

Operations and Process

Reporting quality and earnings management risks
Transaction lifecycle and processing
Designing an intervention or programme
Process improvement and automation
Service levels and quality
Approval processes and delegation
Advisory and non-financial services
Digital financial services
Portfolio quality and risk
The finance operating model and business partnering
Data quality and master data management
Service analytics and dashboards
Customer service technology stack
Emerging service technologies
Growing value through service

Leadership and Management

Operational risk management
Portfolio management and reporting
Cash and liquidity management
Financial risk types and management
SME portfolio management
Professional case study and presentation
Working capital management and the cash cycle
Cash flow forecasting and liquidity management
Receivables, payables and inventory management
Financial risk management and derivatives
Payment risk types and management
Evidence-based practice
Treatment planning and review
Managing complexity and comorbidity
Tax risk management

People and Development

Development banking principles
Appraisal of development projects
Building a finance career and professional development
Leading remote and hybrid teams
Team diversity and inclusion
High-performance team rituals and cadence
Creating a coaching culture
Delegating for development
Managing resistance and capability building
Category management and strategy development
Supplier development and improvement
Quality monitoring and coaching
Training and capability building
Coaching for performance
Team leadership in banking operations

Communication

Investor relations and market communication
Presenting financial information clearly
Presentation and public speaking
Professional report and presentation
Voice, communication and delivery
Safety communication and campaigns
Communicating risk to the workforce
Toolbox talks and safety communication
Communicating vision and telling stories
Executive communication and presence
Cross-cultural communication
Corporate social responsibility communications
Presenting and demonstrating
The media and telecommunications landscape
Workplace and organisational contexts

Stakeholders and Clients

Stakeholder mapping for the finance function
Business partnering and influencing
Negotiation with buyers, suppliers and financiers
Partnership building and multi-stakeholder platforms
Relationship management and retention
Stakeholder mapping and collaboration
Influencing and presenting insights
Managing difficult stakeholders
Stakeholder mapping in banking
Negotiation and influencing
Relationship management and cross-selling
Managing boundaries and dual relationships
Client feedback and satisfaction
Change talk and readiness
The project environment and stakeholders

Markets and Customers

Transfer pricing basics
Transfer pricing documentation
Loan structuring and pricing
Market risk and VaR
Fees, pricing and interchange
Customer lifetime value and profitability
Customer data platforms and segmentation
Market research design and methods
Customer experience and journey mapping
Competitive and market intelligence
Cross-functional collaboration with product and service
Ethics and fair customer treatment
Service culture and brand promise
Customer experience transformation
Professional ethics in customer service

Technology and Systems

Habit change and behaviour design
Digital and internet banking
Treasury technology and systems
Digital and alternative-data credit
Innovation and fintech partnerships
Enterprise resource planning (ERP) and finance systems
Automation, RPA and the digital close
Cloud finance and system integration
Payment innovation and fintech
Digital currencies and CBDCs
Emerging payment technologies
Digital tax administration
Designing a technical solution or system
Performance management systems and cycles
Safety management systems (ISO 45001)

Strategic Context

Accountability and follow-through
Collections strategy
Investment strategy and allocation
Hedging strategies and instruments
Financial strategy and capital allocation
Mergers, funding and growth strategy
Strategic options and real options thinking
Corporate portfolio strategy and parenting advantage
Manufacturing strategies: make-to-stock, make-to-order and batch versus flow
Content strategy across platforms
Business case and strategic alignment
Customer experience strategy
Communications strategy and planning
Category management and strategy
Competitive bidding processes

Projects and Delivery

Audit programmes and fieldwork
Planning and understanding the entity
Project finance structures
Crisis, resilience and contingency planning
Forecasting and planning (FP&A)
Tax planning vs avoidance vs evasion
Realising and measuring project value
Capstone scoping: a real project or programme
Designing the project plan and schedule
Project initiation and chartering
Integrated project planning
Goal setting and action planning
Projects, programmes and portfolios
Project management standards (PMI, PRINCE2)
Project roles and the project manager

Performance Measurement

Corporate objectives and shareholder value
Finance KPIs and the finance scorecard
Interpreting financial performance
Performance and SLAs
Wellbeing and resilience coaching
Measuring coaching outcomes
Performance measurement and attribution
Scalability, availability and performance
Investment principles and objectives
Metrics and reporting
Performance measurement and KPI dashboards
Strategy execution and the balanced scorecard
Managing team performance and dynamics
Contract performance and exit
Retail performance metrics: sales densities, conversion and basket

Procurement and Suppliers

Strengths, flow and engagement
Value-chain and supply-chain finance
Procurement and stock management for health commodities
Conflicts of interest and procurement ethics
Procurement and contract value
Procurement and contract management
Supply market analysis
Supply analysis, gaps and scenario planning
Procurement and supply chain: scope and value
The procurement cycle and operating models
Procurement’s contribution to organisational strategy
Meaning, purpose and values
Outcome and process measures
Public versus private procurement
Supply markets and the enabling environment

Ethics and Conduct

Ethics in tax practice
Ethics, transparency and reputation
Ethics and suitability
Professional ethics and codes (IFAC, ACCA, CIMA)
Data ethics and privacy in finance
Ethics and responsible leadership
Professional standards and ethics (CIPS)
Ethics and professional conduct in security
Real estate regulation, licensing and professional conduct
Ethics and treating customers fairly in insurance
Regulation, ethics and misinformation in media and telecoms
Data, records and confidentiality tech
Practice management systems
Roles, standards and professional conduct
Responsible and ethical service

People Administration

Employee engagement models and drivers
The employee lifecycle and HR value chain
Strategic workforce planning and demand forecasting
Workforce and shift management in retail
Workforce management and scheduling
Workforce planning and scheduling
Employee experience and engagement
Customer and employee satisfaction
Cost of workforce and ROI of HR interventions
Workforce planning and the capability gap
Employee relations, discipline and fair process
Employee and manager self-service
Workforce reporting and storytelling with data
Employee engagement and what actually drives it

International and Currency

Foreign exchange and currency risk
International and cross-border tax
Governance of operations
Credit risk measurement
Credit risk governance
Psychometric and screening tools
Corporate governance and the finance role
Interest-rate risk and hedging
Managing virtual and cross-cultural teams
Decision-making and problem solving
Building high-performing project teams

Change

Measuring transformation impact
Digital and self-service transformation
Measuring CX transformation impact
Digital transformation in banking
Foreign exchange and treasury operations
Technology governance and change control
Foreign exchange and hedging
Change management and adoption
Regulatory change management
Ethics of technology in practice
Emerging tools and innovation
Digital and market transformation
Behaviour change and adoption of innovations
Digital transformation and IT strategy
Variations, claims and delay: managing change on site

Sustainability and ESG

Sustainability of microfinance
Sustainability and responsible finance
Integration with quality and environment
Sustainability and responsible sourcing
Environmental, social and governance (ESG)
Sustainability reporting and disclosure
Embedding sustainability in sourcing
Mine water, tailings and environmental management
Integrated and sustainability reporting
Sustainability and social impact in projects
Market analysis and environmental scanning
Trends: ESG, transparency and stakeholder capitalism
Responsible and sustainable governance
ESG principles and frameworks
Environmental governance and climate risk

Learning and Research

Motivation and self-directed learning
Knowledge management and capability building
Learning transfer and capability building
Monitoring, evaluation and learning for accountability
Evidence-based practice and research literacy
Lessons learned and knowledge management
Qualitative and quantitative research
Facilitation, training and public presentation skills
Working with referrers and multidisciplinary teams
Complaint data and learning
Training needs analysis
Cognitive load and learning science
Learning cultures and the learning organisation
Blended and hybrid learning design

Financial Practice

Tax provisioning and reporting
Keeping current with tax change
Audit committee reporting
Audit opinions and reporting
Concessional and blended finance
Infrastructure and PPP finance
Sector-focused SME finance
Microfinance models and methodologies
Financial risk: credit, market, liquidity, operational
Board and executive financial reporting
Financial reporting standards (IFRS/GAAP)
Tax administration and compliance
Corporate income tax computation
Tax compliance and returns
Managing tax audits and queries

Banking and Financial Services

Credit and counterparty risk
Investment of surplus funds
Investment appraisal and the cost of capital
Payment regulation and oversight
Consumer, SME and corporate credit
Stress testing credit portfolios
Credit bureaus and data
Regulatory capital for credit
SME lending and value-chain finance
Microfinance and group lending
Financial inclusion and agency banking
Policy administration and customer service in insurance
Bancassurance and digital insurance models
Insurance regulation and consumer protection
Vehicle financing, insurance and total cost of ownership conversations

Risk and Control

Regulatory compliance in operations
Regulatory compliance and professional duty
Fraud risk, prevention and detection
Regulatory and compliance requirements
Programme governance and assurance
Governance of campaigns and spend
Managing price and discount governance
Managing growth, risk and resilience
Regulatory compliance and biosafety
Communicating with families and carers
Implementation planning and risk management
Ethical, risk and feasibility considerations
Risk assessment and safety planning
Health, safety and compliance in delivery
Project budgeting and financial control

Legal and Regulatory

Recovery and legal remedies
Regulatory capital and ratios
Regulation of transport: authorities, conventions and licensing
Tariffs, regulation and the economics of essential services
Professional writing and reports
Subcontractor and supplier management
Legal responsibilities and professional bodies
Goal setting and contracting
Psychoeducation and public communication
Advocacy and policy engagement
Regulatory compliance and market requirements
Contract governance and compliance
Regulatory and fair-treatment obligations
Regulatory duty and accountability
Regulatory compliance and central-bank rules

Data and Reporting

Substantive and analytical procedures
Board reporting and investor relations
Disclosure, notes and integrated reporting
Cybersecurity and financial data protection
Audit evidence, sampling and testing
Card and data security (PCI DSS)
Managing difficult conversations
Building trust and engagement
Leading groups and workshops
Assets, liabilities and equity reporting
Data security and confidentiality
Working papers and evidence
Findings, rating and reporting
Reporting quality and governance
Data visualisation for finance

Frequently Asked Questions

Common Questions

What is the CMB certification?

The Certified Mortgage Banker (CMB) is a Intermediate-level professional certification awarded by the Global Leadership Institute (GLI). It is designed to equip professionals in banking operations, credit, payments and financial services with practical skills, internationally recognised frameworks, and the credentials needed to advance their careers.

Who should enrol in the CMB?

This certification is ideal for Bank Officers and Tellers, Credit and Loan Officers, Banking Operations Staff and Relationship and Branch Managers, and other professionals seeking to formalise their expertise in banking operations, credit, payments and financial services with a globally recognised credential.

How long does the CMB certification take to complete?

The programme is structured over 10 Weeks and offers flexible learning modes. Self-paced learners can progress at their own schedule, while live virtual participants follow a structured cohort schedule with facilitator-led sessions.

Is the CMB internationally recognised?

Yes. GLI certifications are recognised across 100+ countries and are aligned with Basel, central-bank regulations and recognised banking and AML standards. Graduates receive a digital certificate, a physical certificate and CPD credits recognised by employers worldwide.

What is the cost of the CMB certification?

The Certified Mortgage Banker is offered in two formats: Self-Paced at USD 349 and Live Virtual at USD 549. Corporate group rates are available for organisations enrolling 5 or more participants. Contact GLI for a bespoke corporate training quotation.

What does the CMB certification include?

Enrolment includes all study materials and study guides, access to GLI's online learning portal, online examination, digital certificate and badge, physical certificate (posted), CPD credits, GLI alumni network membership, and ongoing facilitator support.

What is the assessment format for the CMB?

The Certified Mortgage Banker is assessed through an online examination consisting of multiple-choice questions, case study analysis, and practical application assignments. The assessment is designed to evaluate real-world competency, not just theoretical recall.

What CPD credits do I earn from the CMB?

The Certified Mortgage Banker carries Continuing Professional Development (CPD) credits, which can be applied towards professional body requirements including recognised international professional associations.

Can I study the CMB while working full-time?

Absolutely. The self-paced option is designed for busy working professionals and allows you to study when and where it suits you. Live virtual sessions are typically scheduled in the evenings or on weekends to accommodate professional commitments.

What career outcomes can I expect from the CMB?

Graduates progress towards senior banking operations, credit and branch leadership roles. The CMB strengthens your expertise in banking operations, credit, payments and financial services and positions you for advancement across commercial banks, microfinance institutions and financial-services firms.

Certified Mortgage Banker