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Overview

This programme is designed to equip participants with the skills and knowledge needed to effectively apply the Five Cs of Credit Assessment—character, capacity, capital, collateral, and conditions—when reviewing financial statements.
By integrating these traditional evaluation techniques with financial analysis, participants will gain a deeper understanding of a borrower's creditworthiness
Programme Outline
Learning Objectives
By the end of the programme, participants will be able to:

  • Outline the 5Cs of credit assessment framework
  • Compute the financial ratio for analysis and interpretation
  • Apply the 5Cs components to the financial statements
  • Evaluate the information aligned to the bank's credit parameters for decision making

Programme Outline
5C Credit Assessment Framework

1. 5C - Character, Capital, Capacity, Collateral, Conditions
  • Examine each component and its relevance

2. Financial Statement Review
  • Statement of comprehensive income, Statement of financial position, Statement of Cashflow
  • Selected financial ratios: formula and interpretation

3. Integration of 5 Cs within the financial statement
  • How each component of 5C could be supported from the financial statements

4. Evaluation of the information
  • Decision-making based on bank's credit parameter
METHODOLOGY
Lectures including presentations, case studies and discussions
Participant profile
Credit Analysts, Relationship Managers. Credit approvers and credit risk personnel with more than 2 years’ experience.
Trainer
Dr. Lim Guan Chye
Director of Commercial Banking Training, Asian Banking School
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Dr. Lim Guan Chye
Director of Commercial Banking Training, Asian Banking School
Dr. Lim Guan Chye (GC) is the Director of Commercial Banking Training at the Asian Banking School. He is an author, speaker, facilitator, consultant and a HRD Corp accredited Trainer. He leads a team of trainers/consultants that deliver up-to-date customised as well as exam-based training programmes for the financial industry. GC is conversant in training programme content design and customisation for delivery and is responsible for designing programmes such the Certified Mortgage Advisor and a 29-day Commercial Banking Training Module.

He has 25 years of experience as a banker with several local and foreign banks in the capacity as Regional Manager and Branch Manager; and is well-versed with credit evaluation/assessment, banking operations, branch management, the legal aspects of banking and behavioural economics. GC also has worked for 10 years in group companies including a public listed company in various senior management capacities such as Finance Director and Group General Manager.

He is a Certified Credit Professional (CCP) awarded by IBBM in 2001 (now known as the Asian Institute of Chartered Bankers). GC holds a Degree in Economics (2nd Upper Honours) from the University of Malaya and a Doctorate in Business Administration (DBA) from the EU Business School, Geneva in 2019. GC obtained his Chartered Banker MBA (Merit) from Bangor University, Wales together with his Chartered Banker status awarded by the Chartered Banker Institute, Edinburgh in 2023.

He also completed the Cambridge Summer School Programme at the Judge Business School, University of Cambridge, as well as the Global Banking Leaders Programme at the Bayes Business School (formerly Cass), City, University of London. He is a life-long learner and is passionate about sharing his experiences in banking and business where he published his 2nd book entitled “The Quick Guide Series – About Business & Banking” in January 2021 and in 2024, he authored his 3rd book on “Business Credit & Lending” commissioned by the Asian Banking School.
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Asian Banking School
Assessing Creditworthiness: Application of 5Cs of Credit in Financial Statement Review
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