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Credit Monitoring and Early Warning Signals
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Credit Monitoring and Early Warning Signals
  • Overview
  • Objectives & Outline
  • Methodology
  • Participant Profile
  • Trainer
  • Overview
    PROGRAMME DETAILS

    DATE

    8 October 2019

    TIME

    9:00 AM – 5:00 PM

    VENUE

    Asian Banking School

    8

    AICB
    CPD HOURS

    A one-day intensive training programme designed to educate managers to proactively monitor and identify warning signals due to deterioration in industry, business, financial or management risks. It covers detection of red flags, analysing severity of problems and communicating with the borrowers to strategise and execute recovery action with minimum delay.

    LEARNING LEVEL
    Intermediate
    PROGRAMME FEE

    AICB MEMBER

    MYR

    1,100*

    / PAX

    NON-MEMBER

    MYR

    1,400*

    / PAX

    *Subject to 6% Service Tax

  • Objectives & Outline
    LEARNING OBJECTIVES
    By the end of the programme, participants will be able to:

    • Evaluate changes in industry, business, financial and management risk.
    • Identify early warning signals
    • Determine severity of problem loans and formulate recovery strategy
    • Communicate effectively with owners of problem loan accounts
    • Negotiate terms/recovery solutions
    • Identify cost/benefits of the planned recovery strategy
    • Execute the strategy

    PROGRAMME OUTLINE

    Problem Loans Overview

    • Statistics – A brief overview
    • Definition of problem loans
    • Watch list accounts
    • What went wrong and why?
    • Consequences of problem loans
    • Implications to the bank – what to do?
    • Reporting protocols
    • Downgrading ratings

    Monitoring Techniques
    • Sources of information – internal/external
    • Proactive monitoring
    • Size/materiality
    • What to monitor?
    • Frequency of monitoring
    • Covenants / conditions of approval breaches
    • Delayed/sloppy financial statements
    • Expired limits - effective annual review management

    Types of Warning Signals
    • Types of red flags/warning signals
    • High risk events/triggers
    • Economic climate
    • Industry shocks
    • Business strategy
    • Management disagreement
    • Missing or absentee owners
    • Sequential and non-sequential EWS
    • Random signals

    Analysing the Problem
    • Temporary problems
    • Permanent problems
    • Planned action/within management control
    • Unplanned action/outside management control
    • Communicating with borrowers
    • Site visits – surprise and scheduled visits – why and when

    Recovery Strategy
    • Prioritisation
    • Cost Benefit Analysis
    • Strategy formulation/execution
    • No action required
    • Monitor for change
    • Transfer risk
    • Restructure
    • Refer to specialists
    • Receivers and managers
    • Liquidation

  • Methodology

    Lectures, case studies, group discussions and videos

  • Participant Profile

    Managers involved in credit sales, marketing, evaluation, approval, audit and recovery with at least 3 months experience on the job. This includes commercial banking Relationship Managers, Asset Quality Management Managers, Recovery Managers and Internal Auditors.

  • Trainer

    BENNY BASTIAN

    Benny Bastian is an Omega Performance-certified consultant trainer. He was a banker for over 35 years and was with Standard Chartered Bank for almost 30 years and in 2003, the Head of Credit, SME Banking at RHB Bank Berhad. His work experience extends across Banking Operations, Account Relationship Management, Credit Audit, Credit Training and, Credit Evaluation and Approval. Having helmed the position as Head of Credit for SME Lending at both banks, he understands intimately the critical balance between accelerating Sales Growth and maintaining Credit Quality.

    Benny was a pioneer in the development of Score Cards and Product Programme used to support underwriting high-volume small ticket loans to the SMEs. He is well known for the development, implementation and branding of "Biz Power" a very successful Score Card based product at RHB Bank. It facilitated seamless lending to SMEs with a fast turnaround time and consistency in approval decisions resulting in higher approval rates. He was also the chief coordinator for the bank-wide rollout of Omega Performance’s CSA programme at RHB Bank and conducted some of the programmes including Business Lending Fundamentals, Financial Accounting for Lenders, Commercial Loans to Business, Loan Management and Minimising Problem Loans. He is a staunch proponent of Cash Flow based lending. He has also developed and conducted numerous credit training modules for various local financial institutions.


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