Certified Mortgage Advisor (CMA) - Credit

The Certified Mortgage Advisor (CMA) programme is a specialized professional certification designed for mortgage professionals seeking advanced expertise in financial advising, mortgage planning, and client relationship management.

This programme equips participants with the knowledge and skills to provide strategic guidance to clients, ensuring they make informed decisions about home financing that align with their long-term financial goals and meeting diverse client needs.

By earning the CMA designation, mortgage professionals demonstrate a higher standard of competency and a commitment to excellence, boosting their credibility and marketability in the competitive real estate and finance industries.

Programme Outline

Learning Objectives

By the end of the programme, participants will be able to:

Comprehend the components of the financial statements
Compute net working capital requirement
Analyse the financial performance using various financial tools
Identify the red flags, early warning signals and business distress
Comprehend the importance of review and site visit

Programme Outline

Day 1
Malaysia Property Outlook

Review of 2024 property in Malaysia market
Median prices of residential and commercial properties
Buyer behavior
Buy or sell in 2025
Valuation methods employed in assessing property value
Day 2
Inside Story - Behind the scenes

Property Development Process
Main players in the primary and secondary property market
Land matters - Types of Land Titles, completed vs under construction, Foreign Ownership
Day 3
Laws Associated With Land, Property, And Mortgage Lending In Malaysia

National Land Code 1965, Sabah Land Ordinance, Sarawak Land Code
HDA 2012, Strata Titles/Management Act 2013, Stamp Act, Land Acquisition Act
Day 4
Government Housing Initiatives (AM)

Classification of Income group: B40, M40, T20
About REIT, Rent-To-Own, Reverse Mortgage
Government schemes: PPA1M, Rumah Mesra Rakyat, National Credit Housing Company (SJKP), others

Dealing with Abandoned Projects (PM)

Status of abandoned projects in Malaysia
Why do projects get abandoned?
Role of the Local Government Development Ministry (KPKT)
Day 5
Effective Communication to Drive Performance

Sharpening communication block
Building blocks for your performance
Speaking right
Day 6
Bank Negara Guidelines (AM)

Responsible Financing Guidelines
Guidelines on Product Transparency and Disclosure (issued 2013)
Fair Treatment of Financial Consumers
PDPA, selected provisions from FSA 2013, Contracts Act 1950 and others

Managing Customer Expectations - Behavioural Concepts Application (PM)

Overview of Behavioural Economics Concepts
How to overcome biases
Overview of Nudge Theory

Level of Certification

Professional Certificate
This is a certification programme offered and awarded by the Asian Banking School

METHODOLOGY

The programme will be conducted face-to-face over 6 days training.

Upon completing the training, participants are required to:

Achieve a minimum score of 80% on a 50-question multiple-choice (MCQ) assessment via the LMS portal
Complete a 3,000-word assignment (±10%) with a passing score of at least 60%

Relevancy of Training

The programme is highly relevant for mortgage professionals to boost credibility, strengthen client trust, and equip them with strategic skills to guide clients through informed home financing decisions

Participant profile

Consumer lending, mortgage and/or lending personnel

Entry Requirements

Have at least 2 years of consumer lending experience

Designation

Individuals who have completed this programme are entitled to use the designation 'CMA' after their name

Trainer

Dr. Lim Guan Chye

Director of Commercial Banking Training, Asian Banking School

Chan Wai Seen

Executive Director of CCO & Associates Group

Ken Woo Kin Fai

Daphne Lew Chah Yee

Advocate and Solicitor and a member of the Malaysian Bar

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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.

Chan Wai Seen

Executive Director of CCO & Associates Group

Chan Wai Seen is currently serving as the Executive Director of CCO & Associates Group and oversees the Kuala Lumpur office. He began his career in 1999 at Jones Lang Wootton, gaining valuable experience. In 2003, he joined Standard Chartered Bank as their first Real Estate Technical Officer (RETSO), implementing various policies to enhance the bank’s credit standards.

He specialises in real estate consultancy and valuation services, with extensive experience encompassing various property types such as residential, commercial and industrial properties, development lands, agriculture properties, shopping centres, hotels, offices, bus terminals and others.

Chan has successfully undertaken over 350 consultancies related to real estate services and development projects, including conducting Market & Feasibility studies to assess development project viability and determine the highest and best use for development sites. Chan's interest in real estate research is evident through his research papers and a joint project with Universiti Malaya, funded under NAPREC.

Recognized for his contributions, Chan was elected as a committee member of the Property Surveying Division of the Royal Institution of Surveyors Malaysia (RISM) for the 2022/2023 and 2023/2024 terms. He currently leads the Valuation Sub-Committee, demonstrating his commitment to professional involvement.

Chan has also successfully completed a Train-The-Trainer program under the Human Resource Development Corporation (HRDC), Ministry of Human Resources.

With his extensive experience, diversified expertise and active engagement in the industry, Chan Wai Seen continues to make significant contributions to the real estate sector.

Ken Woo Kin Fai

Ken Woo Kin Fai, an MBA degree holder from Heriot-Watt University, Edinburgh, Scotland completed in 1997. Prior to that, he obtained his Diploma in Banking and Finance through the local Institute of Bankers Malaysia, with the basic high school education in the English medium. Having the influence of the Straits Born Chinese on the maternal side, he speaks fluent Bahasa Malaysia.

He started his career in the retail product segment, having worked both in foreign and local banks. He was exposed to various aspects of branch operations, banking operations, including the payment system, product development as well as credit portfolio management. A total of 30 years of banking experience in 5 leading banks in the country before embarking into the training arena.

The last 7 years of his banking career was spent in a bank’s training department, specializing in soft skills and team building. Over the years he has sharpened his knowledge and skills in the area of teaching/facilitating the younger groups, especially those new to the working world (new staff) as well as students in universities.

An excellent and engaging speaker. His sessions are highly energetic with the latest adult learning methodology in a non-conventional way.

Daphne Lew Chah Yee

Advocate and Solicitor and a member of the Malaysian Bar

Daphne was admitted as an Advocate and Solicitor and a member of the Malaysian Bar since 2008. She has diverse experience in her 15 years of practice, ranging from banking and finance, competition laws, corporate, commercial, and conveyancing. Her career included a stint as a legal executive at Allen & Gledhill LLP, Singapore for two years, specialised in banking and finance covering cross-orders transactions such as syndicated loans, bilateral loans, secured or unsecured financing and project financing. Her current focus is mainly local undertakings where it covers conveyancing, commercial, wills, probate and private trusts.

Daphne is a regular speaker for real estate agencies and seminars organised by the KLBAR Corporate and Conveyancing Committee since 2016. Her presentations including Practical Workshop on Conveyancing; Wills Probate Letters of Administration and Small Estates; Practical Steps on Sale and Purchase Transactions and Process; Risk Management (for conveyancing transactions); Tenancy; and Auction properties.

She was a committee member for two Kuala Lumpur Bar Sub-committees, i.e. the Corporate and Conveyancing Committee for three consecutive terms 2015/2016, 2016/2017, 2017/2018; and the Small Firms and Practitioners Affairs 2017/2018. She is now a member for Selangor Bar.