Credit Evaluation – The Approver’s Perspective

Overview
Objectives & Outline
Methodology
Participant Profile
Trainer

Overview

PROGRAMME DETAILS
DATE
Training is only available for In-House
TIME
9:00 AM – 5:00 PM
VENUE
Online Learning
This programme aims to help approvers and senior lenders see the Big Picture leading to making the right credit calls or decisions that are holistic and practical yet protects the interests of the institution. This is to perpetuate credit leadership and ultimately the formation of a uniform credit culture.
LEARNING LEVEL
Intermediate
PROGRAMME FEE
AICB MEMBER
MYR
2,500*
/ PAX
NON-MEMBER
MYR
2,800*
/ PAX
*Subject to 6% Service Tax
Registration is Closed
Objectives & Outline
LEARNING OBJECTIVES
By the end of the programme, participants will be able to:
Dissect credits and raise the relevant risk issues
Write quality credit evaluation reports/memorandums – that are fully satisfied for risk and yet balanced for business
Detect credit fraud easily
Process credits in a more expedient yet consistent manner e.g. faster turnaround time with minimal contention
Support originators in improving efficacy of the credit value chain
PROGRAMME OUTLINE
The Credit Thought Process
Credit evaluation – Are approvers and originators seeing it the same way?
Thoth Capital’s credit appraisal map as the basis for credit thought process

Role of Credit Approvers
What skill sets should an approver possess?
Roles of a credit approver: Providing credit direction & leadership
Credit approvers as business drivers – The need for a business mindset
What do credit approvers expect of originators & vice versa
Trust deficit – The gulf between credit approvers and originators

The Borrowing Cause
Why approvers need to get this right! Breaking down the borrowing cause
Examples of how originators “cloak” the true borrowing cause

Understanding Borrower, Their Business & Environment
Credit Approvers – Do they know enough about clients, their business and environment and what should they know? Formal sources and market intelligence
What should credit approvers do to keep themselves updated & relevant to the market and its developments

Practical Risk Analysis for Approvers
Being risk aware vs. risk averse - Are approvers over analyzing credits?
Thoth Capital’s risk analysis framework – Getting approvers & originators on the same page
Sieving out financial risk issues & making sense of the spreadsheets - The quick and easy way
Credit fraud: A growing problem & how approvers can detect them

Evaluating Credit Papers
A Step-by-step guide to evaluating credit reports for approvers
Expectations of the senior management from CED evaluators/approvers

Supporting Originators
How should credit approvers support originators (the credit and business aspects)
Assisting originators in loan structuring
How approvers should guide originators facing problematic credits

Live Case Study & Writing the Credit Evaluation Report/Memo
Dissecting the case study: Breaking it down and seeing the big picture
How to correspond with originators – Effective email writing
Writing quality credit evaluation reports/memos
Methodology
Online workshop based comprising lectures, sharing of facilitator experiences, discussions and class exercises based on live case studies. The module will also see the use of Thoth Capital’s proprietary user friendly guides to help participants undertake risk analysis.

Technical Requirements:
Desktop, notebook or tablet with camera, speaker and microphone
Internet access
Conference platform: Zoom
Participant Profile

Relationship managers from commercial & corporate banking and credit evaluators/ approvers from credit evaluation & risk management
Trainer

Lim Tien Chee
Lim Tien Chee or “TC” as he is popularly known is currently the Director and Managing Consultant of Thoth Capital Sdn Bhd, a management consultancy cum training outfit which mainly services the banking industry and has been in operation since 2004.

TC has 12 years’ line and management experience across the credit value chain at RHB Bank. He headed departments within Commercial and Corporate Banking and Credit Management, and has a good appreciation of the local banking environment. The job scope during his tenure extended from origination, underwriting, restructuring and to approvals.

At the age of 30, TC was promoted to department head of a corporate banking unit. In 2004, he was promoted to Vice President when he was 33, making him one of the young high performers RHB Bank. His portfolio extended from SMEs to large listed conglomerates. In Corporate Banking, the portfolio size under his care exceeded RM2 billion and exposed him to all facets of the economy – from trading, manufacturing, agriculture, oil and gas, and public infrastructure.
In Credit Management, where independent evaluation of commercial and corporate loans is undertaken, TC was one of the youngest senior credit managers to be granted discretionary authority for loan approvals and a pioneering member of RHB Bank’s Credit Management Division. TC was also instrumental in developing the credit policy for RHB Bank and was often called upon to undertake strategic and risk management initiatives including due diligence reviews for its mergers and bank wide transformations.

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