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Credit Risk Management Using Financial Modelling
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Credit Risk Management Using Financial Modelling
  • Overview
  • Objectives & Outline
  • Methodology
  • Participant Profile
  • Trainer
  • Overview
    PROGRAMME DETAILS

    DATE

    To Be Announced

    TIME

    9:00 AM – 5:00 PM

    VENUE

    Asian Banking School
    16
    AICB
    CPD HOURS
    Credit risk management is the practice of mitigating losses by understanding the adequacy of a bank's capital and loan loss reserves at any given time. This programme will enable participants to quantify their credit evaluation into financial models to better assess structuring needs and repayment capacity.
    LEARNING LEVEL
    Intermediate
    PROGRAMME FEE

    AICB MEMBER

    MYR

    2,500*

    / PAX

    NON-MEMBER

    MYR

    3,000*

    / PAX

    *Subject to 6% Service Tax

  • Objectives & Outline
    LEARNING OBJECTIVES
    By the end of the programme, participants will be able to:
    • Relate financial infrastructure with qualitative issues and credit risk
    • Use financial models to analyse business fundamentals (causes) rather than just financial ratios (effect)
    • Incorporate credit and business risks into holistic financial model scenarios and sensitivity analysis
    • Apply financial models for quick detection of early warning signs
    • Relate financial models to effective account management

    PROGRAMME OUTLINE
    Relating Financial Infrastructure with Qualitative Issues and Credit Risk
    • Competitive position / strategy with funding and solvency risk
      • Relate short term solvency, operating solvency, working capital needs to conversion cycle, sales growth and profit margin
      • Impact of changes in solvency, working capital, sales growth and profit margin on cashflow statement
      • Relate overall impact to competitive positioning, strategy and bargaining power
      • Highlight the signs and danger of over-trading
    • Funding structure with overall financial needs and financial risk
      • Match capital expenditure with appropriate funding sources
      • Relate expansion strategy with growth outcomes and its impact on cashflow and working capital needs
      • Relate expansion strategies with growth risk
    • Detecting fund diversion risk and its impact on repayment risk and growth strategies
      • Identifying direct and indirect fund diversions from Balance Sheet and Income Statement

    Using Financial Models to Analyse Business Fundamentals
    • Pricing power through gross profit margin
    • Bargaining power through cash conversion cycle and operating cashflow
    • How cash conversion cycle and gross profit margin impact repayment ability
    • Effect of operating leverage and safety margin on growth risk 

    Incorporating Credit and Business Risks into Holistic Financial Model Scenarios and Sensitivity Analysis
    • Demand risk into sales growth, profit margin, working capital and operating cashflow
    • Supply risk into sales growth, profit margin, working capital and operating cashflow
    • Collection of risk profit margin, working capital and operating cashflow
    • Interest rate risk into profit margin and repayment risk
    • Foreign exchange risk into sales growth and profit margin
    • Inflationary risk into profit margin, working capital and operating cashflow
    • Incorporating current account trends into the financial model

    Applying Financial Models for Quick Detection of Early Warning Signs
    • Detecting early warning signs from sales growth, gross profit, EBITDA, operating cycle and asset efficiency ratio
    • Using financial models to reflect free cashflow capacity and sustainable growth concept
    • Relating Financial Models to Effective Account Management
    • Using financial models to understand the borrower's financial needs and effective loan structuring
    • Financial models as an indicator of internal and external environment dynamics
    • Financial models as a way of benchmarking the credit risk 
  • Methodology

    Lectures, case studies and debriefing

  • Participant Profile
    Credit Officers and those with at least 3 years of related Credit experience
  • Trainer

    Naresh Neelakandan

    Naresh Neelakandan has a depth of experience conducting credit risk management programmes for financial institutions in Malaysia, Indonesia, Sri Lanka and Singapore, and has been leading Malaysian corporate entities in the fields of journalism, auditing, finance and banking for more than 25 years. At a commercial bank, he was involved primarily in credit risk assessment of corporate and commercial entities, and his last position was as the Head of Training for a Malaysian financial services group. Naresh holds an Honours Degree in Financial Accounting and a MBA in Finance. He is also a Certified Credit Professional (CCP) and Certified Financial Planner (CFP).

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