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Credit Analysis in the Age of Disruptive Technologies
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Credit Analysis in the Age of Disruptive Technologies
  • Overview
  • Objectives & Outline
  • Methodology
  • Participant Profile
  • Trainer
  • Overview
    PROGRAMME DETAILS

    DATE

    4 – 5 September 2018

    TIME

    9:00 AM – 5:00 PM

    VENUE

    Asian Banking School
    14
    AICB
    CPD HOURS
    10
    SIDC
    CPE POINTS
    This programme will provide participants with a comprehensive framework for credit analysis and equip them with the skills to identify what drives different risk behaviours, especially during an economic slump or an industry cycle down time.

    It covers a broad spectrum of topics, including the challenges of disruptive technologies like FinTech, P2P, blockchains, which are designed to ensure that you are equipped with the adequate credit analytical know-how needed to propel your departments and clients towards achieving greater performance for your bank.
    LEARNING LEVEL
    Intermediate
    PROGRAMME FEE

    AICB MEMBER

    MYR

    5,500

    / PAX

    NON-MEMBER

    MYR

    6,000

    / PAX

  • Objectives & Outline
    LEARNING OBJECTIVES
    By the end of the programme, participants will be able to:
    • Understand the core principles of credit analysis
    • Identify the core risks, in the Volatile, Uncertain, Complex and Ambiguous (VUCA) environment, that companies face during their operating cycles
    • Understand risk mitigation techniques used to control credit risk
    • Learn how company accounts and financial statements are used as a tool in assessing the credit risk of a corporate client
    • Undertake quantitative analysis of the corporate company using company accounts
    • Review how ratio analysis is used in credit analysis (qualitative analysis of a corporate client as part of the credit analysis process)
    • Review the impact of external and strategic risks on a company’s performance 
    • Understand the fundamental principles used by banks in structuring a debt facility from a legal perspective
    PROGRAMME OUTLINE
    Update on Latest Global Geopolitical and Events
    • 4th Industrial Revolution by IMF - How Disruptive Technology is replacing jobs
    • Birth of FinTech and blockchains’ impact on credit analysis and banking operations
    • Volatility, Uncertainty, Complexity and Ambiguity (VUCA) environment
    • Summary of how global upheavals will impact credit analysis 

    Fundamental Concepts in Credit Analysis
    • Fundamentals principles in credit analysis
    • Introduction to the credit analysis process
    • Identification of practical factors concerning credit analysis of privately and family run corporates under VUCA and disruptive technologies era
    • The importance of lending and the role of banks in international finance
    • Fundamental concepts in bank risk and returns, and the need to identify and mitigate risk
    • Using SWOT analysis in credit analysis to create a clear view

    Workshop: SWOT analysis of a business scenario, in VUCA environment, to identify and assess a company’s performance going forward. This will act as an introduction to the risks inherent in business scenarios.

    Identifying Risks in VUCA (as part of the credit analysis process and implementing strategies to mitigate credit risk)
    • Introduction to different principal risks including VUCA
    • Credit risk, business risk, operating risk and management risk
    • Risk identification in developing markets
    • Risk profiling – KYC on AML/TF challenges
    • Risk mitigation through different strategies
    • The use of the TARA model
    • Implementation of risk strategies as part of the loan process and dealing with company stakeholders
    • Introduction to how banks deal with risk exposure and mitigate risk

    Workshop: delegates will undertake a risk analysis of a corporate case study using the risk mitigation model to identify, assess and control inherent risks in the scenario.

    Credit Structuring
    • Introduction to different types of loan structures
      • Straight line repayment
      • Bullets and balloon repayments
      • Bonds and mezzanine finance
    • Loan maturity and its impact on credit risk analysis
    • Grace periods and repayment moratoria
    • Introduction to unconventional credit structuring methods with real world case study

    Using the Company’s Financial Accounts in Credit Analysis and Fundamental Concepts in Quantitative Analysis (especially fraudulent cases)
    • Reviewing a company’s Balance Sheet, Profit and Loss Statement, and Cash Flow Statements
    • Identifying fraudulent financial statements
    • Developing underlying assumptions of quantitative analysis
    • Trend analysis and the importance of identifying the trend from financial data
    • Limitations in relying exclusively on company accounts and the importance of identifying the issues in the detail
    • Techniques in dealing with regional management and private / family run businesses 
    Using Ratio Analysis as Part of Credit Analysis and its Limitation
    • The use of ratio analysis in credit analysis and as a tool to identify credit risk
      • Introduction and development of different ratios to use to assess, financial risk, liquidity and the company’s ability to borrow
      • Importance and application of the interest cover and DSC ratios in credit analysis
    • Reviewing World Bank acceptable ratio levels in different industries
    • The importance of trend analysis as part of ratio analysis
    • Spotting off balance sheet items that will affect company risk profiles
    • Spotting ongoing capital expenditure needs and identifying methods of financing
    • Identifying potential corporate failure
      • Introduction to the use of Z scores and A scores by brokers and analysts

    Workshop: delegates will undertake a full quantitative analysis of the potential acquisition targets focusing on the subjects covered in the introduction to the session.


    Fundamental Concepts in Qualitative Analysis in Credit Analysis
    • Understanding the ‘big picture’ and potential pitfalls for the company
    • Understanding a client’s general business environment
    • The application of the PESTEL model
    • Understanding the company’s SWOT
    • Assessing the competitive forces at work in a client’s company’s industry with a view to understanding its ability to make profits
    • Industry analysis and the application of Porter’s 5 Forces model
    • The assessment of the strength of a company’s product and service portfolio and its chances of survival as an ongoing concern
      • Product Life Cycle
      • Portfolio Analysis
    • The importance of developing a company strategy
      • Models used for strategic development
      • Strategic drift and its impact on company performance
    • The importance of matching company critical success factors with market opportunities
    • The importance and value of the company brand and the dangers of brand damage

    Workshop: Delegates will undertake a qualitative analysis of a case study scenario question followed by a full quantitative and qualitative analysis of a second case study company.
  • Methodology

    Instructor led facilitation in a workshop together with various industry case studies, simulation (where appropriate) and current business analysis with interactive exercises and group discussions

  • Participant Profile
    This programme is suitable for corporate and investment bankers as well as anyone supporting the Credit department. It will provide a comprehensive understanding of the credit analysis process in this digital era.
  • Trainer

    Dr Christopher Goh

    Dr Christopher Goh has 25 years’ experience in treasury, corporate finance and wealth management – with a rare blend of derivatives trading, wealth, corporate finance, credit analysis, treasury, risk management and investment valuation. He also has extensive experience in compliance, operations/settlement, treasury trading on derivatives, exotic options, behavioural finance, structuring products using derivatives and enterprise risk management, an area that he spent 12 years in.

    He is passionate about enterprise risk management with excellent technical knowledge on a broad range of financial instruments and gained practical experience through diverse economic cycles. He has been the Chief Risk Officer for 3 international banks in Asia where he established holistic enterprise risk management frameworks and has worked for 6 different banks over a period of 25 years across 6 different cultures, business practices and management styles. This had given him a deep knowledge in handling clients and managing staff from diverse cultural backgrounds.
    Dr Goh has conducted many in-house corporate seminars over the past 13 years training international and central bankers from places in the Asian region that includes Malaysia, Indonesia, Taiwan, China, Singapore, South Korea, Thailand, Chennai, Mumbai, Hong Kong, Vietnam, Myanmar and Philippines; and to as far as London, Vienna, Jeddah, Kuwait, Johannesburg, Cairo, Zimbabwe, Nigeria, Ghana, Kenya, Zambia, Lesotho, Dubai, Moscow and Ulaanbaatar. He provides consultancy support to many international companies in the Middle East, Asia and Africa in the formation of enterprise risk management frameworks, policy, governance, compliance, as well as hand-holding them in the implementation of operational risk management frameworks and policies.

    Dr Goh is also an Adjunct Visiting Faculty member at several foreign universities including Shanghai JiaoTong University, Central University of Finance and Economics (Beijing), Harbin Institute of Technology (Harbin) and S.P. Jain (Singapore and Dubai campus) in banking certification courses and/or EMBA courses focusing on Enterprise Risks Framework as well as Enterprise Risk Management modules.

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