Credit Vision: See Risk Before It Happens - Credit

This course equips participants with a forward-looking credit risk mindset by combining traditional credit analysis with early-warning indicators, behavioural data, and predictive risk signals.

Participants will learn how to anticipate credit deterioration before default occurs, enabling better lending decisions, proactive portfolio management, and stronger risk governance.

Programme Outline

Learning Objectives

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

Understand the concept of credit vision and how predictive risk differs from backward-looking credit assessment
Identify early warning signals (EWS) of credit deterioration at borrower, facility, and portfolio levels
Integrate behavioural, transactional, and macro indicators into credit risk assessment
Apply Credit Vision tools in loan origination, review, and portfolio monitoring
Make proactive risk decisions to reduce NPLs, improve pricing, and strengthen portfolio resilience

Programme Outline

Credit Risk Thinking: Seeing Beyond the Numbers - “Profitable but risky borrowers – why do they fail?”
Role of financial statement analysis in:
Credit approval
Credit review
Watchlist & early intervention
Decoding Financial Statements for Credit Risk - Identify credit red flags from a simplified borrower financial set
Balance Sheet:
Capital structure, leverage risk, asset quality red flags
Income Statement:
Earnings quality, margin sustainability, volatility
Cash Flow Statement:
Operating cash flow vs accounting profit
Early Warning Signals (EWS): Spotting Trouble Early - “What went wrong?” – tracing early warning signs missed in past credits
Financial EWS:
Declining operating cash flow
Rising receivables & inventory days
Margin compression despite revenue growth
Forward-Looking Credit Analysis & Stress Testing - Stress a borrower’s DSCR under adverse scenarios
Sensitivity analysis:
Revenue decline
Cost escalation
Interest rate hikes
From Analysis to Credit Decision - Draft a concise credit conclusion using provided financial data
Translating financial analysis into:
Credit terms & covenants
Pricing & tenor decisions

METHODOLOGY

Lecture, case studies and discussions

Participant profile

This programme is ideal for credit and loan officers, relationship managers, risk management and credit policy professionals, internal auditors, compliance officers, and senior management involved in credit assessment, risk evaluation, and credit approval decisions

Trainer

Dr Chin Nyuk Sang

Trainer & Consultant

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Dr Chin Nyuk Sang

Trainer & Consultant

Dr. NS Chin is currently a trainer and consultant for small, medium enterprise (SME) in the area of fund raising. He is also facilitating Bank Business Credit (Level 2 of Chartered Banker Certification), Intermdediate Green Finance and FSTEP programme related to central banking in ensuring financial stability at Asian Banking School.

A PhD holder in Finance graduated from Multimedia University, Dr. Chin produced a thesis entitled “Prediction of Corporate Failure: A Study of Malaysian Corporate Sector” which is related to credit risk management.

Dr. Chin had served Bank Negara Malaysia (BNM) for 29 years in various capacities. He has started as banking supervisor to regulate and supervise all banking institutions in Malaysia and followed by involvement in Corporate Debt Restructuring Committee (CDRC) during the Asian Financial Crisis in 1997. In CDRC, he has collaborated with Rating Agency Malaysia to restructure many corporate debts of Public Listed companies and Governemnt Link Corporations.

In 2006, Dr. Chin was seconded to Agensi Kaunseling Dan Pengurusan Kredit (AKPK) and headed Ipoh branch for 2 years. Finally, as a performance consultant, he was tasked to strengthen the capacity building of BNM staff in their core areas include risk management, financial inclusion, sustainable development and economic policy development.

Dr. Chin is a certified trainer by both Association for Talent Development in USA and Human Resource Development Corporation in Malaysia.

As a part-time senior lecturer with Universiti Malaya, Dr. Chin has conducted numerous face-to-face classes primarily on international banking, financial economics, monetary economics, international finance & emerging economic market.

Dr. Chin holds an associate membership of Asian Institute of Chartered Banker.