event description

Comments from past participants

“Attending the Seminar has been an enriching experience for me as it provided a different perspective to corporate risk, and has helped to sharpen my credit analysis skills by thinking effectively and focusing on the hidden pitfalls in a credit evaluation.”
– Ms. Nancy Foong Poh Yoke, PT Bank Mandiri (Persero) Tbk, Singapore.
[Class of March 2008]

“Besides the theoretical and applied knowledge I gained from the Seminar, what I found most refreshingly and useful was Adam's generous sharing of his wealth of experiences from his many years as a banker. For budding bankers, these practical insights are invaluable.”
– Mr. Alvin Eng Han Wen, Monetary Authority of Singapore, Singapore.
[Class of March 2009]

Seminar Background

An intensive and practical training on corporate risk evaluation and lending risk mitigation.

Loans are the most important assets in a bank's portfolio; sound corporate risk evaluation is the key to making high-quality loans and managing credit risk. The ability to use information to mitigate credit risk can mean the difference between good loan credits and frequent restructurings and defaults.

Seminar Content

* Credit Process

* Understanding the Concept of Credit Risks

* Risk Evaluation Tools
- CAMPARI Model
- Credit Evaluation Framework
# Purpose
# Amount
# Sources of Repayment
# Business Viability
Economic and Industry Factors
Track Record
Products
Customers
Strategy
Operational Efficiency
Management Assessment
- Porter’s 5 Forces
- BCG Matrix
- PESTLE Analysis

* Risks of a Company in the Various Stages of Growth of a Business
- Understanding the Characteristics and Risks of Each Stage of Growth
- Bank’s Involvement in the Various Stages
- Stages that Banks Avoid

* Types of Legal Structure of a Business Entity
- Sole Proprietorship
- Partnership
- Co-operative
- Incorporated Company

* Selecting the Right Borrowing Entity

* Risks of Different Businesses
- Manufacture
- Wholesale
- Retail
- Service

* Operating Cycle and How it affects Cashflow

* Project Risk Analysis
- Types of Risk
- Mitigating Factors

* Quantitative Analysis
- General Methodology
- Earnings Capacity Analysis
# Profitability Indicators
# Interest Coverage Indicators
# Debt Services vs. Debt Capacity
- Financial Health Analysis
# Leverage Indicators
# Liquidity Indicators
# Working Capital Efficiency Indicators
# Operating Efficiency Indicators
# Shareholders’ / Investors’ Return Indicators
# Coverage Ratios
- Use and Limitation of Ratio Analysis
- Limitation of Financial Statements
- Creative Accounting

* Cash Flow Analysis
- Sources and Application of Cash
- Cash Flow Measures
# EBIT
# EBITDA
# Operating Cash Flow
# Net Operating Cash Flow
- Application of Cash Flow Statements

* Relationship between Various Financial Statements
- Profit and Loss
- Balance Sheet
- Cash Flow Statement

* Financial Projections
- Constructing a