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Credit Evaluation – The Approver’s Perspective
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Credit Evaluation – The Approver’s Perspective
  • Overview
  • Objectives & Outline
  • Methodology
  • Participant Profile
  • Trainer
  • Overview
    PROGRAMME DETAILS

    DATE

    19 – 20 March 2018

    TIME

    9:00 AM – 5:00 PM

    VENUE

    Asian Banking School

    SIDC CPE

    10

    CPE Points
    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

    2,200

    / PAX

    NON-MEMBER

    MYR

    2,700

    / PAX

    *inclusive of GST
  • 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

    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.

  • Participant Profile
    • Relationship Managers from Commercial & Corporate Banking
    • Credit Evaluators/ Approvers from Credit Evaluation/ Risk/ Management
  • Trainer

    Lim Tien Chee 

    Thoth Capital Sdn Bhd

    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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