"The Advanced Credit Management seminar was interesting and Adam is the right person to deliver the training material. Thanks to Adam for sharing his invaluable knowledge and experiences at the seminar." – Mr. Tan Tesien Tanudjaja, PT Bank Central Asia Tbk., Indonesia. [Class of May 2008]
"The topics are covered to a good extent. The seminar is useful to broaden the scope of understanding." – Mr. Kang Zhiyuan, Bangkok Bank Public Company Limited, Singapore. [Class of November 2009]
Seminar Background
This programme will provide experienced lenders with the necessary skills to increase the profitability of their loan portfolio by mitigating the potential risks.
Seminar Content
* Overview - Concepts of Credit Risks - Key Considerations For Business Growth # Business Strategy Analysis Models Porter’s Five Forces PESTLE Analysis BCG Matrix # Working Capital Analysis # Sustainable Growth Rate Analysis # Debt Capacity Analysis
* Loan Management - Pre and Post disbursement risks - Types of Risks Controls - Loan Management # Objectives # Components # Strategy - Use of Dash boards # Uses of financial dash board # Considerations for implementation - Setting Up an Early Warning System # Sources of Information # Early Warning Signs # Possible conclusions - Overtrading # What is overtrading # Signs of overtrading # Managing the overtrading situation - Predicting Corporate Distress # Application of statistical models # Comparison of models - Dealing With Problem Loans # Comparison of models # Nature of problems # Immediate action drill # Components of a restructuring plan - Secondary Controls – Loan review # Objective of Loan review # Areas of review # Classification # Ratings
* Portfolio Management - Objectives of Portfolio Management - Identifying Portfolio Risks Associated With Lending # Credit Risks # Interest Rate Risks # Liquidity Risks # Price Risks # FX Risks # Transaction Risks # Compliance Risks # Strategic Risks # Reputation Risks # Loan portfolio objectives # Credit culture - Principles of Portfolio Management # Oversight # Risk Identification # Exceptions to Policy, Procedures, and Underwriting Guidelines # Documentation Exceptions # Policy and Underwriting Exceptions # Aggregate Exception Tracking and Reporting # Portfolio Segmentation and Risk Diversification # Identifying Concentrations of Risk # Evaluating and Managing Concentrations of Risk # Concentration Management Techniques # Analysing Loan Delinquencies # Coincident v.s. lagged delinquencies # Using net flow analysis # Vintage analysis for loan acquisition - Stress Testing # Uses of stress test # Scenario testing # Sensitivity testing