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Professional Credit Certification Programme
  • Overview
  • CCE Programme Outline
  • Level 1 : Certified Credit Executive (CCE)
  • BCP programme Outline
  • LEVEL 2 : BUSINESS CREDIT PROFESSIONAL (BCP)
  • RCP Programme Outline
  • LEVEL 2 : RETAIL CREDIT PROFESSIONAL (RCP)
  • Overview
    The Professional Credit Certification (PCC) is a qualification for banking professionals who seek to equip themselves with the skills, knowledge and tools to advance in the demanding and rapidly changing field of credit management. By dedicating time and effort to complete PCC, you will be demonstrating your commitment towards attaining the highest standards of becoming a credit professional.

    PCC EDUCATION PATHWAY
    LEVEL 1: CERTIFIED CREDIT EXECUTIVE (CCE)
    Certified Credit Executive provides you with a strong skill set for undertaking credit roles and responsibilities within a guided environment or policy framework.
    LEVEL 2: RETAIL CREDIT PROFESSIONAL (RCP)
    Retail Credit Professional expands your competence in credit skills and judgement with specialisation in retail credit.
    LEVEL 2: BUSINESS CREDIT PROFESSIONAL (BCP)
    Business Credit Professional expands your competence in credit skills and judgement with specialisation in business credit.

    For more information on this certification, please visit www.aicb.org.my
    TRAINING WORKSHOPS
    ABS provide exam preparation workshops to help practitioners enhance learning and organize materials to be studied. These workshops will review the study texts, explain concepts and theories, provide study guides and practice exam questions.

    The PCC workshops available are:
    • CCE 4: Credit Report Writing – 3-days
    • Updated CCE (all chapters and topics) – 8-days
    • Updated CCE – 5-days
          (i) CCE 1, 2, 3 and 4 (selected chapters and topics)
          (ii) Pre-requisite: Participants must have more than 3 years of working                     experience in overall credit functions such as credit processing, credit                 administration including disbursement and documentation, and/or credit               recovery and rehabilitation.
    • Updated RCP – 6-days
    • BCP 3: Loan Structuring and Legal Documentation – 3-days
    • BCP 4: Loan Monitoring, Rehabilitation and Recovery – 3-days
    • Updated BCP – 6-days
  • CCE Programme Outline
    CCE 4: 3 days
    Credit Report Writing

    Chapter 1: Overview of Report Writing
    Chapter 2: Language and Writing Styles
    Chapter 3: Introducing Credit Report Writing
    Chapter 4: Context of Credit Report Writing
    Chapter 5: Preliminary Sections and Introduction
    Chapter 6: Main Body of Discussion for a New Lending Proposal
    Chapter 7: Main Body of Discussion for Annual Review and Special Cases
    Chapter 8: Summarisation
    Chapter 9: Conclusions and Recommendations

    Updated CCE : 8-days
    The Malaysian Financial System, Regulations and Ethics

    Chapter 1: The Malaysian Financial System
    Chapter 2: Laws and Regulations in Malaysian Banking
    Chapter 3: Ethics and Corporate Governance

    Principles of Lending
    Chapter 1: Principles of Lending
    Chapter 2: The Credit Risk Assessment Framework
    Chapter 3: The CAMPARI Framework
    Chapter 4: Borrowers and their Legal Status
    Chapter 5: Credit Information and its Verification
    Chapter 6: Loan and Securities Documentation
    Chapter 7: Landed Securities and Credit Support
    Chapter 8: Guarantees and Indemnities

    Basic Financial Analysis
    Chapter 1: General Accounting Principles and Policies
    Chapter 2: Understanding Financial Statements
    Chapter 3: Quantitative Analysis of Financial Statements
    Chapter 4: Qualitative Aspects of Financial Statement Analysis

    Credit Report Writing
    Chapter 1: Overview of Report Writing
    Chapter 2: Language and Writing Styles
    Chapter 3: Introducing Credit Report Writing
    Chapter 4: Context of Credit Report Writing
    Chapter 5: Preliminary Sections and Introduction
    Chapter 6: Main Body of Discussion for a New Lending Proposal
    Chapter 7: Main Body of Discussion for Annual Review and Special Cases
    Chapter 8: Summarisation
    Chapter 9: Conclusions and Recommendations


    Updated CCE – 5-days
    The Malaysian Financial System, Regulations and Ethics

    Chapter 1: The Malaysian Financial System
    - Roles of the Financial System
    - The Banking System: Regulators of Malaysian Banking System
    Chapter 2: Laws and Regulations in Malaysian Banking
    - Regulations in the Banking Industry
    - A Summary of the Laws Affecting the Credit Function
    - Key Provisions of the FSA 2013 Affecting the Credit Function
    - Central Bank Guidelines on Credit and Loans
    - Foreign Exchange Administration (FEA) Rules and Notices
    - Complementing and Supporting Regulations for the Banking Industry
    Chapter 3: Ethics and Corporate Governance
    - Banking Ethics for Banking Executives
    - Understanding Corporate Governance in Organisations

    Principles of Lending
    Chapter 1: Principles of Lending
    - Principles of Lending
    - Scope of Credit Risk Assessment
    Chapter 4: Borrowers and their Legal Status
    - Individual Personal Borrowers
    - Registration of Business Borrowers
    - Clubs and Societies
    Chapter 5: Credit Information and its Verification
    - Financial Information of Individuals, Businesses, and Companies
    - Valuation Report and Content
    - Credit Documentation
    Chapter 6: Loan and Securities Documentation
    - Loan Documentation: The Loan Agreement
    - Events of Default
    - Securities and their Documentation
    Chapter 7: Landed Securities and Credit Support
    - Alienation of Land
    - Land and Land Laws
    - Dealings Over Land: Transfer, Charges, Assignments, and Liens
    - Types of Charges
    - Documentation of a Charge
    - Documentation of the Deed of Assignment
    - Documentation Process
    Chapter 8: Guarantees and Indemnities
    - Guarantees
    - Enforcement of Guarantees
    - An Indemnity

    Basic Financial Analysis
    Chapter 1: General Accounting Principles and Policies
    - Accounting Principles
    Chapter 2: Understanding Financial Statements
    - Components of Annual Reports
    - Limitations of Financial Statements
    Chapter 3: Quantitative Analysis of Financial Statements
    - Financing Needs
    - Use of Ratio Analysis in Analysing Audited Financial Statements
    - Practical Aspects of Cashflow Statement Analysis
    - Creative Accounting
    Chapter 4: Qualitative Aspects of Financial Statement Analysis
    - Management and Shareholders Position

    Credit Report Writing
    Chapter 1: Overview of Report Writing
    - Introduction
    - Structure of the Report
    - Content of the Report
    - Presentation of the Report
    Chapter 2: Language and Writing Styles
    - Language and Writing Style
    - Description and Emphasis in the Report
    - Clarity in Writing
    - Concise Writing
    - Writing Precisely
    - Link, Logic and Flow in Writing
    Chapter 3: Introducing Credit Report Writing
    - Executive Communication
    - Objective and Scope of Credit Reports
    - Main Considerations
    Chapter 4: Context of Credit Report Writing
    - Understanding the Context before Writing
    - Context 1: New Loan Applications
    - Context 2: Business Loans and Consumer Loans
    - Context 3: Annual Reviews and Special Cases
    Chapter 5: Preliminary Sections and Introduction
    - Effective Credit Report
    - Components of the Credit Report
    - Formal Title Page
    - The Executive Summary
    - Writing the Introduction
    Chapter 6: Main Body of Discussion for a New Lending Proposal
    - Contents of a Report for New Loan Applications: The Main Body of Discussion
    - New Loan to a Consumer Borrower: Body of Discussion 1A
    - New Loan to a New Business Borrower: Body of Discussion 1B
    Chapter 7: Main Body of Discussion for Annual Review and Special Cases
    - Review of Existing Borrowers
    - Content of the Annual Review of Loan Facilities: The Body of Discussion
    - Content for a Request of Change of Terms and Conditions: 
       The Body of  Discussion
    - Content for a Report for a Restructure of Credit Facilities: 
       The Body of Discussion
    Chapter 8: Summarisation
    - The Importance of Summarisation Skills
    - Content and steps in Writing a Summary
    - Writing an Executive Summary
    Chapter 9: Conclusions and Recommendations
    - Understanding and drawing conclusions of a Report
  • Level 1 : Certified Credit Executive (CCE)
    MODULE & EXAM SITTING
    Module Training Workshop
    Fees
    CCE 4 (3-days) 5 - 7 Jan 2021 - - - - - RM1,500 per module*
    *Subject to 6% Service Tax
    Updated CCE (8-days) 6, 7, 11, 12, 21, 22, 25 & 26 Jan 2021 15, 16, 17, 18, 22, 23, 24 & 25 Mar 2021 26 Apr, 27 Apr, 3, 4, 24, 25, 27 & 28 May 2021 5, 6, 7, 8, 26, 27, 28 & 29 Jul 2021 13, 14, 22, 23, 27, 28, 29 & 30 Sep 2021 15, 16, 22, 23, 25, 26, 29 & 30 Nov 2021 RM4,800 per module*
    *Subject to 6% Service Tax
    Updated CCE (5-days) 3, 4, 5, 8 & 9 Feb 2021 1, 2, 7, 8 & 9 Apr 2021 2, 3, 8, 9 & 10 Jun 2021 2, 3, 4, 5 & 6 Aug 2021 6, 7, 11, 12 & 13 Oct 2021 - RM3,500 per module*
    *Subject to 6% Service Tax
    Exam Date(s)
    (Updated)
    For the exam dates, please refer to Asian Institute of Chartered Bankers (AICB) website at https://www.aicb.org.my/
    Disclaimer:
    • The closing date for workshop registration is one (1) week before training start date.
    • ABS reserve the right to close the workshop registration date when registered numbers have exceed the maximum class size of 25 pax.
    • With the current COVID-19 situation, all physical face-to-face trainings will be converted to virtual online workshops via Zoom.
    • ABS reserve the right to change the delivery platform according to its availability.
  • BCP programme Outline
    BCP 3 – 3-days
    Loan Structuring and Legal Documentation

    Chapter 1: Loan Structuring
    -  Determining Business Funding Requirements
    -  Key Issues in Loan Structuring
    -  Types of Credit Facilities
    -  Factors Affecting Pricing of Loan Facilities
    Chapter 2: Loan Agreement
    -  Legal Documentation
    -  The Bank’s Letter of Offer
    -  The Loan Agreement and its Contents
    -  Conditions Precedent and Fulfilment
    -  Events of Default
    -  Descriptions and Terms of Facilities
    -  Security Requirements
    -  Legal Jurisdiction
    Chapter 3: Covenants in Loan Documentation
    -  The Loan Agreement
    -  Drafting Appropriate Covenants for Loan Agreement
    -  Magnitude of Credit Risk and Scope of Covenants
    -  Types of covenants
    Chapter 4: Property Security and Documentation
    -  Property as Security
    -  Types of Charges
    -  Land Searches
    -  Malay Reserved, Customary, and Native Land
    -  Bankruptcy Searches
    -  Company Searches
    -  Documentation of a Charge
    -  Documentation of a Charge under Term Loan for Purchase of a Shop-Office
    -  Documentation and Procedure for the Purchase of a Residential Property or 
       Shop-Office Made Directly from the Developer
    -  Enforcement of a Charge
    -  Documentation of an Assignment
    -  Procedures to Reduce Risk in an Assignment
    -  Lien-Holders Caveat
    Chapter 5: Debentures
    -  Introduction to Debentures
    -  A Company’s Statutory Powers to Borrow and to Provide Security
    -  Fixed and Floating Charges
    -  Risk of Dissipation
    -  Documentation of a Debenture
    -  Crystallization of a Floating Charge
    -  Effects of a Floating Charge under Section 294 of the Companies Act 1965
    -  Rights of Debenture Holders
    Chapter 6: Fixed Deposit
    -  Fixed Deposits and the Memorandum of Deposit/Letter of Set-Off
    -  Lien on Fixed Deposits by Companies – Filing of Form 34
    -  Fixed Deposits with Third Party Banks
    Chapter 7: Shares and Unit Trusts
    -  Shares of Companies
    -  Types of Securities Held Over Shares
    -  Unit Trusts and Trust Units
    -  Other Marketable Instruments as Security
    Chapter 8: Standby Letters of Credit
    -  Letter of Credit
    -  Adoption of the UCP 600
    -  Standby Letters of Credit
    Chapter 9: Other Forms of Security
    -  Life Assurance as Credit Enhancement and Support
    -  Tangible goods as security
    -  Letters of Hypothecation and Trust Receipts
    -  Assignment of Contract Proceeds and Receivables
    Chapter 10: Other Credit Support and Documentation
    -  The Need for Guarantees and Indemnities
    -  Guarantees and Indemnities
    -  Documentation of Guarantees
    -  Forgery
    -  Stamping of Guarantees
    -  Discharge of Guarantees
    -  Foreign Guarantees and Guarantors
    -  Enforcement of Guarantees
    -  Letters of Undertaking
    -  Letter of Comfort
    -  Letter of Awareness
    -  Subordination of Debts and Loans

    BCP 4 – 3-days
    Loan Monitoring, Rehabilitation and Recovery

    Chapter 1: Managing the Loan Portfolio
    -  The Components of Loan Monitoring and Credit Risk Management
    -  Communication with the Borrower
    -  Monitoring the Utilization of the Facilities
    -  Site Visits – Importance and Relevance to Borrower Account Review
    -  Account Monitoring – Periodic Review
    -  Classification of Impaired Loans and Financing
    -  Prompt Payment of Interest of Current Portion of Term Loan Facilities
    Chapter 2: Identification of Warning Signs
    -  Source of Information’
    -  Monitoring via Internal Exception Reports and Past Due Reports
    -  Warning Signs from Internal Exception Reports and Past Due Reports
    -  Monitoring via Independent External Information
    -  The Borrower’s Audited or Management Accounts and Financial Forecast
    -  Information and Observations from Site Visits of the Credit Officer
    -  Possible Delinquent Loan Situations
    Chapter 3: Causes of Business and Credit Failure
    -  Credit Deterioration – Common Causes of Business Failure
    -  New Problems, Old Causes
    -  Economic Events – The 1997 Asian Currency Crisis and the 2008/2009  
       Global Financial Crisis
    -  Management issues
    -  Signs of Business Distress
    Chapter 4: Loan Rehabilitation and Business Recovery
    -  Why rehabilitate an Impaired Loan – The Rationale
    -  Alternatives to Loan Recall
    -  Loan Rescheduling
    -  Loan Refinancing
    -  Loan Restructuring
    -  Business Recovery
    -  Corporate Restructuring
    -  Financial Restructuring
    -  Loan Monitoring of a Rehabilitated Loan
    -  Loan Recovery
    Chapter 5: Loan Recovery and Workouts
    -  Workout Process
    -  Workout Framework in a Multi-Lender Situation
    -  The Loan Recovery Process
    -  The Loan Recovery Function  
    Updated BCP – 6-days
    Business Credit Analysis

    Chapter 1: Business Credit Analysis
    -  Introduction to Business Analysis
    -  Understanding Structure
    -  Qualitative Analysis
    -  Quantitative Analysis
    -  Business Funding and its Structure
    -  Basel II and Risk Grading
    Chapter 2: Structure of business
    -  Types of Financing Needs
    -  Financing Working Capital – Asset Conversion Cycle
    -  Financing Capital investment
    -  Financing Infrastructure Projects
    -  Construction/Property based Financing
    -  Transactional/Contract based Financing
    -  Seasonal Financing
    -  Syndicated Loans
    Chapter 3: Qualitative Risk Analysis
    -  Understanding the Types of Borrowers
    -  The Role of A Business
    -  The Basic Business Framework
    -  Other Crucial Elements
    Chapter 4: Components of credit risks
    -  Industry and Market Risks
    -  Regulatory Risk
    -  Accounts Performance/Funds Diversion Risks
    -  Downside Risk and other Business Risks
    -  Credit Structure and Product risks
    -  Risks Associated with Realization of Collateral
    Chapter 5: Competitive Strategies of Borrowers
    -  Michael Porter’s 5 Forces Model
    -  Michael Porter’s Generic Competitive Advantages
    -  The Economic, Industry and Product Life Cycle
    Chapter 6: Risks Identification using SWOT Analysis
    -  SWOT analysis
    -  Internal Environment: Identifying Strengths and Weaknesses
    -  External Environment: Identifying Opportunities and Threats
    Chapter 7: Risk identification using PEST Analysis
    -  PEST analysis
    -  Politics and its impact
    -  Economics and its impact
    -  Sociological Developments and Trends
    -  Technology and its Influence
    -  Risk Mitigation
    Chapter 8: Risk identification using Asset Conversion Cycle
    -  Introduction to Asset Conversion Cycle
    -  Procurement and Supply Risk and Mitigation
    -  Production Risk and Mitigation
    -  Selling and Distribution Risks and Mitigation
    -  Credit Collection Risk and Mitigation
    -  Others – Basel II and Basel III

    Advanced Financial Analysis
    Chapter 1: Advance Financial Statement Analysis
    -  Financial Statement Analysis
    -  Financial Analysis Techniques
    -  Historical Financial Statement Analysis
    -  Interpretation of Financial Ratios – Profitability, Financial Condition, Asset 
       Quality and Management
    -  Asset Quality and Collateral Risk
    -  Analysing Cashflow
    -  Cashflow Ratios and Analysis
    Chapter 2: Consolidated and Group Financial Statements
    -  Introduction to Consolidated or Group Financial Statements
    -  General Principles Involved in Consolidated Financial Statements
    -  Basic Consolidation of Group Accounts
    -  Associate Companies and Investments
    -  Analysis of Consolidated Financial Statements
    -  Main Issues in Consolidation for Review
    -  Checklist for Review of Consolidated Financial Statements
    Chapter 3: Financial Reporting and Accounting Standards
    -  Introduction to Financial Reporting
    -  Financial Misrepresentation in Financial Reports
    -  Company management and conflict of interest
    -  Accounting Standards and their effects
    -  What is Creating Accounting and Why Creative Accounting Takes Place
    -  MFRS Requirements and Creative Accounting
    -  International Accounting Scandals
    -  Related Party Transactions and Disclosure
    -  Analysing Operating Segments – MFRS 8
    Chapter 4: Financial Forecasting and Modelling
    -  An overview of Business Financial Planning
    -  Financial Forecasting and its Uses
    -  Forecasting Future Business Performance for Credit Assessment
    -  Statistical Methods for Financial Forecasting
    -  Developing and Projecting Trends of Sales Revenue Using Time Series 
        Analysis
    -  Developing and Projecting Trends using Regression
    -  Developing and Projecting Trends using Moving Averages
    -  Sustainable growth of a company
    -  Working Capital Investment Growth – Working Capital Forecast
    -  Stress Testing of Financial Forecast
    -  Construction of Financial Models as Tools for Quantitative Risk Assessment

    Loan Structuring and Legal Documentation
    Chapter 1: Loan Structuring
    -  Determining Business Funding Requirements
    -  Key Issues in Loan Structuring
    -  Types of Credit Facilities
    -  Factors Affecting Pricing of Loan Facilities
    Chapter 2: Loan Agreement
    -  Legal Documentation
    -  The Bank’s Letter of Offer
    -  The Loan Agreement and its Contents
    -  Conditions Precedent and Fulfilment
    -  Events of Default
    -  Descriptions and Terms of Facilities
    -  Security Requirements
    -  Legal Jurisdiction
    Chapter 3: Covenants in Loan Documentation
    -  The Loan Agreement
    -  Drafting Appropriate Covenants for Loan Agreement
    -  Magnitude of Credit Risk and Scope of Covenants
    -  Types of covenants
    Chapter 4: Property Security and Documentation
    -  Property as Security
    -  Types of Charges
    -  Land Searches
    -  Malay Reserved, Customary, and Native Land
    -  Bankruptcy Searches
    -  Company Searches
    -  Documentation of a Charge
    -  Documentation of a Charge under Term Loan for Purchase of a Shop-Office
    -  Documentation and Procedure for the Purchase of a Residential Property or 
       Shop-Office Made Directly from the Developer
    -  Enforcement of a Charge
    -  Documentation of an Assignment
    -  Procedures to Reduce Risk in an Assignment
    -  Lien-Holders Caveat
    Chapter 5: Debentures
    -  Introduction to Debentures
    -  A Company’s Statutory Powers to Borrow and to Provide Security
    -  Fixed and Floating Charges
    -  Risk of Dissipation
    -  Documentation of a Debenture
    -  Crystallization of a Floating Charge
    -  Effects of a Floating Charge under Section 294 of the Companies Act 1965
    -  Rights of Debenture Holders
    Chapter 6: Fixed Deposit
    -  Fixed Deposits and the Memorandum of Deposit/Letter of Set-Off
    -  Lien on Fixed Deposits by Companies – Filing of Form 34
    -  Fixed Deposits with Third Party Banks
    Chapter 7: Shares and Unit Trusts
    -  Shares of Companies
    -  Types of Securities Held Over Shares
    -  Unit Trusts and Trust Units
    -  Other Marketable Instruments as Security
    Chapter 8: Standby Letters of Credit
    -  Letter of Credit
    -  Adoption of the UCP 600
    -  Standby Letters of Credit
    Chapter 9: Other Forms of Security
    -  Life Assurance as Credit Enhancement and Support
    -  Tangible goods as security
    -  Letters of Hypothecation and Trust Receipts
    -  Assignment of Contract Proceeds and Receivables
    Chapter 10: Other Credit Support and Documentation
    -  The Need for Guarantees and Indemnities
    -  Guarantees and Indemnities
    -  Documentation of Guarantees
    -  Forgery
    -  Stamping of Guarantees
    -  Discharge of Guarantees
    -  Foreign Guarantees and Guarantors
    -  Enforcement of Guarantees
    -  Letters of Undertaking
    -  Letter of Comfort
    -  Letter of Awareness
    -  Subordination of Debts and Loans

    Loan Monitoring, Rehabilitation and Recovery
    Chapter 1: Managing the Loan Portfolio
    -  The Components of Loan Monitoring and Credit Risk Management
    -  Communication with the Borrower
    -  Monitoring the Utilization of the Facilities
    -  Site Visits – Importance and Relevance to Borrower Account Review
    -  Account Monitoring – Periodic Review
    -  Classification of Impaired Loans and Financing
    -  Prompt Payment of Interest of Current Portion of Term Loan Facilities
    Chapter 2: Identification of Warning Signs
    -  Source of Information’
    -  Monitoring via Internal Exception Reports and Past Due Reports
    -  Warning Signs from Internal Exception Reports and Past Due Reports
    -  Monitoring via Independent External Information
    -  The Borrower’s Audited or Management Accounts and Financial Forecast
    -  Information and Observations from Site Visits of the Credit Officer
    -  Possible Delinquent Loan Situations
    Chapter 3: Causes of Business and Credit Failure
    -  Credit Deterioration – Common Causes of Business Failure
    -  New Problems, Old Causes
    -  Economic Events – The 1997 Asian Currency Crisis and the 2008/2009 
       Global Financial Crisis
    -  Management issues
    -  Signs of Business Distress
    Chapter 4: Loan Rehabilitation and Business Recovery
    -  Why rehabilitate an Impaired Loan – The Rationale
    -  Alternatives to Loan Recall
    -  Loan Rescheduling
    -  Loan Refinancing
    -  Loan Restructuring
    -  Business Recovery
    -  Corporate Restructuring
    -  Financial Restructuring
    -  Loan Monitoring of a Rehabilitated Loan
    -  Loan Recovery
    Chapter 5: Loan Recovery and Workouts
    -  Workout Process
    -  Workout Framework in a Multi-Lender Situation
    -  The Loan Recovery Process
    -  The Loan Recovery Function
  • LEVEL 2 : BUSINESS CREDIT PROFESSIONAL (BCP)
    MODULE & EXAM SITTING
    Module Training Workshop
    Fees
    BCP 3 (3-days) 18 - 20 Jan 2021 - - - - - RM1,800 per module*
    *Subject to 6% Service Tax
    BCP 4 (3-days) 2 - 4 Feb 2021 - - - - - RM1,800 per module*
    *Subject to 6% Service Tax
    Updated BCP (6 days) 5, 6, 7, 13, 14 & 15 Jan 2021 8, 9, 10, 15, 16 & 17 Mar 2021 4, 5, 6, 24, 25 & 31 May 2021 6, 7, 8, 12, 13 & 14 Jul 2021 13, 14, 15, 20, 21 & 22 Sep 2021 16, 17, 18, 22, 23 & 24 Nov 2021 RM4,200 per module*
    *Subject to 6% Service Tax
    Exam Date(s) For the exam dates, please refer to Asian Institute of Chartered Bankers (AICB) website at https://www.aicb.org.my/
    Disclaimer:
    • • The closing date for workshop registration is one (1) week before training start date.
    • • ABS reserve the right to close the workshop registration date when registered numbers have exceed the maximum class size of 25 pax.
    • • With the current COVID-19 situation, all physical face-to-face trainings will be converted to virtual online workshops via Zoom.
    • • ABS reserve the right to change the delivery platform according to its availability.
  • RCP Programme Outline
    Updated RCP – 6-days
    Retail Lending Environment, Process and Analysis

    Chapter 2: Marketing and Business Development
    -  Marketing Plan of the Bank
    -  Macro-economic Analysis
    -  Banking Industry Analysis
    -  Business Development
    -  Banking Customer Analysis
    -  Banking Competitor Analysis
    -  Competitive Strategy
    Chapter 3: Credit Information and Verification
    -  Information Verification Methods and Processes
    -  Credit Reference Systems
    -  Central Credit Reference Information System (CCRIS)
    -  Dishonoured Cheques Information System (DCHEQS)
    -  RAM Credit Information Sdn. Bhd.
    -  Credit Tip-Off Services (CTOS)
    Chapter 4: Credit Evaluation and Structuring
    -  Two Basic Systems for Retail Credit Decisions
    Chapter 5: Security Documentation and Support
    -  Land as Security
    -  Dealings on Land: Transfers, Charges, Assignments, and Liens
    -  Types of Charges
    -  Land Searches
    -  Existence of Encumbrances: Private and Registrar’s Caveats
    -  Malay Reserved, Customary, and Native Land
    -  Forms of Title: Final Title, Qualified Titles, and Grants
    -  Leases and Sub-leases
    -  Documentation of a Charge
    -  Documentation of a Charge for the Purchase of Residential Properties under 
       a Sub-sale (where the issue document of title has already been issued)
    -  Documentation Process: Creating Security Claim on Landed Assets
    -  Creating Security Interests over the Shares
    -  Unit Trusts and Trust Units (i.e. Shares in a Unit Trust Scheme)
    -  Guarantees
    -  Documentation of Guarantees
    -  Discharge of Guarantees
    -  Enforcement of Guarantees
    -  Assignment of Life Policies
    Chapter 6: Loan Disbursement
    -  The Loan Agreement and its Content
    -  Pre-disbursement— Completion of All Legal Documentation
    -  Pre-disbursement—Borrower’s Compliance with Lending Terms and 
       Conditions
    -  Continuing Obligations of the Borrower
    -  Events of Default


    Consumer Lending Products and Services
    Chapter 1: Consumer Credit
    -  Personal Loan
    -  Personal Overdraft
    -  Credit Cards
    Chapter 2: Property Financing
    -  Types of Residential Financing
    -  Features and Benefits of Residential Property Financing Products
    -  Considerations for End Financing (EF) of Residential Properties
    -  Properties under Housing Developer’s Act 1966 (HDA)
    Chapter 3: Investment Financing
    -  Introduction - Types of Capital
    -  Financing of Shares and Other Securities
    -  Types of Shares—Ordinary Shares of Public Listed Companies
    -  Types of Shares—Preference Shares of Public Listed Companies
    -  Bonds and Loan Stocks— Secured, Unsecured, Redeemable, Irredeemable
    -  Derivatives—Warrants or TSR, and Options
    -  Form of Share and Securities Financing
    -  Features and Benefits of Shares and Securities Financing
    -  Monitoring of Share Prices and Margin of Financing
    -  Unit Trusts
    -  Types of Unit Trust Financing
    -  Monitoring of Unit Prices against Margin of Finance
    Chapter 4: Hire-purchase and Leasing
    -  Hire-purchase Financing
    -  Hire-Purchase Act 1967 (HP Act)
    -  Financial Leases
    -  Difference between Financial Lease and Operating Lease
    -  Features and Benefits of Lease Financing
    -  Risks in Lease Financing
    -  Application of Credit Considerations
    -  Lease Structures

    SME Lending
    Chapter 1: Small and Medium. Enterprise Lending
    -  The Business Owner-Manager Enterprise (BOM)
    -  Characteristics of the SME
    -  Needs of the SME
    -  The Risk Environment of Lending to SMEs
    -  Lending Principles—A Guide to Lending to SMEs
    Chapter 2: Evaluation of SME Applications
    -  Evaluating SME Loan Applications—the Micro Enterprise
    -  Evaluating SME Loan Applications—the Small Enterprise
    -  Evaluating SME Loan Applications—the Medium Enterprise
    Chapter 3: Financial Assessment
    -  Financial Assessment Using Financial Statements
    -  Cashflow Statement Analysis
    -  Analysis of Financial Conditions Using the Company’s Statement of Financial     Position
    -  Analysis of Performance Using the Company’s Income Statement
    -  Analysis of Business Management and Practices
    Chapter 4: Lending Products for SMEs
    -  Financing Facilities for SMEs
    -  Term Loans
    -  Hire-purchase and Leasing Facilities
    -  Revolving Credit Lines
    -  Overdraft Lines of Credit
    -  Trade Finance
    -  Non-residential Property Financing
    -  Credit Guarantee for SMEs in Malaysia
    -  Export Credit Refinancing (ECR) Facilities

    Loan Portfolio Management and Recovery
    Chapter 1: Loan Monitoring
    -  Portfolio Approach to Loan Monitoring
    -  Key Components of the Loan Monitoring Process for Loan Portfolios
    -  Identification of Warning Signs
    -  Sources of Information Available
    -  Possible Delinquent Loan Situations
    -  Fraud Possibility and Detection
    -  Proactive Prevention of Credit Deterioration
    Chapter 2: Loan Collection and Recovery
    -  Causes of Delinquency and Warning Signs
    -  Classification of Impaired Loans and Financing
    -  Collection Action Plans
    -  Collection Strategies and Credit Habits of Borrowers
    -  Outsourcing Collection—Debt Collection Agency
    -  Rescheduling and Restructuring of Loans
    -  The Recovery Process
    -  Recovery via Legal Means—Remedies of Charges and Assignments and 
       Order for Sale
    -  Repossession of Vehicles under Hire-purchase and Lease Financing
    -  Civil Proceedings for Unsecured Debts
    Chapter 3: Account Management
    -  Organisational Structure for Collection and Recovery Operations
    -  Customer Management Policies and Collection Activities
    -  Types of Collection
    -  Collection Action Plans
    -  Credit Quality Matrix and Recovery Response
    -  Collection Methods
    -  Tracing Lost Contacts
    -  Fraud
    -  Recoveries
    -  Debtor Advisory and Counselling
    -  The Collection System
  • LEVEL 2 : RETAIL CREDIT PROFESSIONAL (RCP)
    MODULE & EXAM SITTING
    Module Training Workshop
    Fees
    Updated RCP (6-days) 2, 3, 4, 8, 9 & 10 Feb 2021 31 May, 1, 2, 9, 10 & 11 Jun 2021 4, 5, 6, 12, 13 & 14 Oct 2021 RM4,200 per module*
    *Subject to 6% Service Tax
    Exam Date(s)
    (Updated)
    For the exam dates, please refer to Asian Institute of Chartered Bankers (AICB) website at https://www.aicb.org.my/
    Disclaimer:
    • • The closing date for workshop registration is one (1) week before training start date.
    • • ABS reserve the right to close the workshop registration date when registered numbers have exceed the maximum class size of 25 pax.
    • • With the current COVID-19 situation, all physical face-to-face trainings will be converted to virtual online workshops via Zoom.
    • • ABS reserve the right to change the delivery platform according to its availability.
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EXAM PREPARATION CLINIC
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Asian Banking School (ABS)

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