search

I WOULD LIKE TO

EC
Expanding the Credit Toolkit for Corporate Lending
SHARE
Expanding the Credit Toolkit for Corporate Lending
  • Overview
  • Objectives & Outline
  • Methodology
  • Participant Profile
  • Trainer
  • Overview
    PROGRAMME DETAILS

    DATE

    24 – 26 June 2019

    TIME

    9:00 AM – 5:00 PM

    VENUE

    Asian Banking School
    24
    AICB
    CPD HOURS
    This programme will provide participants with a broad understanding of credit risk assessment and approaches for corporate lending by using new tools to complement conventional corporate credit analysis
    LEARNING LEVEL
    Intermediate
    PROGRAMME FEE

    AICB MEMBER

    MYR

    3,500

    / PAX

    NON-MEMBER

    MYR

    4,000

    / PAX

  • Objectives & Outline
    LEARNING OBJECTIVES
    By the end of the programme, participants will be able to:
    • Use the new tools to gauge downside risk or upside potential of a credit proposition
    • Assess management quality and corporate strategy from the Balance Sheet perspective
    • Align income statement and cashflow statements to assess repayment risk
    • Examine specific framework to assess business positioning in the industry
    • Employ specific tools for detection of early warning signs in a business

    PROGRAMME OUTLINE
    Main Tools:
    • SPACE Diagramme
    • Protected Zone Concept
    • Gap Test
    • Operating Leverage
    • Industry Analysis
    • Financial Diagnostic and other red flags
    • 10-15 companies

    New Perspectives on Credit Analysis
    • Assessing a business from the perspective of the:
      • Business model and strategic positioning
      • External environment stability
    • Tool: SPACE Diagramme to understand down side risk, Sustainable Growth Rate 
    • Case studies and debrief: Top Gloves vs Supermax vs Hartalega vs Kossan 

    Balance Sheet Analysis
    • The unprotected zone of the balance sheet
    • Asset structure in relation to the business model
    • Financial restructuring to improve business competitiveness and repayment ability
    • Asset movement as an indicator of warning signs
    • Liquidity vs Solvency: how to test short-term survivability
    • Gearing vs Growth
    • Mitigating high gearing
    • Case study: property developer, Puncak Niaga 

    Repayment Analysis
    • Drivers for top line growth and mid-line (gross margin) quality
    • Assessing operating cashflow quality and significance
    • How does other comprehensive income fit into repayment analysis
    • Roping in balance sheet quality to enhance repayment
    • What else does balance sheet and cashflow tell us about management quality in relation to repayment?
    • How market and product strategy is expected to affect repayment capacity
    • Relating external environment to repayment capacity
    • Tools: Gap test, Top and Midline Drivers analysis, Operating Leverage
    • Case Study: Layer Farm 

    Industry Analysis
    • Forces that affect an industry
    • Impact of technology on the industry
    • Tool: Porter's Five Forces
    • Case Study: Education Services 

    Detecting Early Warning Signs
    • Tools: Gap Test, SPACE Diagramme, Margin Fatigue, Signs of Overtrading, Accounting Red Flags
    • Case Study: Kenmark, Axis Inc Berhad
  • Methodology

    Lectures, case studies and debriefing

  • Participant Profile
    Credit Officers / Analysts / Managers with at least 5 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).

REGISTER NOW
Please complete the following form to register with us. Alternatively, you can email us here or call us at +603 2742 7822 if you have any questions.
PAYMENT PROCESS

1

Please download the Payment Form for our Banking details and if making company sponsored payments

2

Upload your Payment Form/Receipt and submit with your online registration

3

You will receive a confirmation email upon successful registration
I'm Applying For
Programme Details
Select Programme
Please select a time slot.
FULL NAME
(as per NRIC/Passport) *
New NRIC No/Passport No*
Nationality*
Email*
Contact No*
Job Title/ Designation*
Department*
Company Name*
Mailing Address*
City*
Postcode*
Country*
AICB Membership No
(If Applicable)
Special Remarks
(IF APPLICABLE, PLEASE FILL IN YOUR FMAM (PPKM) MEMBERSHIP NUMBER HERE)
Upload Payment Receipt or Form*
*Required fields
Captcha validation failed.
Thank you for your submission. You should receive an automated email shortly at the email address you provided if the submission had gone through successfully. If you do not receive the email, please contact us at +603-2742 7822 or email training@asianbankingschool.com
There are currently no upcoming Programme slots.
Please email us here or call us at +603 2742 7822 if you want to check on future slots.

Copyright © Asian Banking School (ABS). All rights reserved.

 CONNECT WITH US

Ooops!
Generic Popup