Navigating Credit, Understanding the Basics - Credit

The programme is designed to equip participants with knowledge and skills in credit underwriting skills and techniques and legal documentation requirements for conventional banking.

Programme Outline

Learning Objectives

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

Develop understanding of the credit process cycle and their role in the bank
Distinguish credit analysis and assessment techniques, both qualitative and quantitative
Identify and mitigate credit risk
Comprehend the credit policy in relation to problem accounts, fair treatment and responsible financing
Comprehend knowledge in legal documentation and credit support and risks involved
Outline detailed insights into Identifying red flags and fraud in credit

Programme Outline

Day 1

Module 1: The Credit Risk Process Cycle
Defining a credit report
Analysing credit risk and structuring loans for decision making
Loan issuance & security documentation
Monitoring of loan performance
Repaying or recovering the loan
Module 2: Distinguish Credit Analysis & Assessment Techniques
The Principles in Lending
Credit Assessment Techniques
Scope of Credit Analysis
Purpose of Credit Analysis
Qualitative Analysis
Quantitative Analysis
Funding Structure
Ways Out Analysis

Day 2

Module 3: Identify & Mitigate Credit Risk
Risk Management Framework
Risk Management Governance, Culture and Three Lines of Defence
The Credit Risk Function, Purpose & Benefit
Credit Policy for Problem Credit, Fair Treatment & Responsible Financing
Module 4: Understanding Credit Documentation requirements & Risks Involved (Conventional)
Documentation process for asset-based financing
Documentation process for non-asset-based financing
Other credit support
Red Flags & Fraud in Credit

METHODOLOGY

Interactive lecture, video, quizzes, case study, group presentation, pre and post-test

Participant profile

Customer facing Branch staff, Relationship Managers selling bank products to customers

Trainer

Sylphy Chui

Senior Training Consultant,
Asian Banking School

Zurina Binti Othman

Senior Training Consultant,

Asian Banking School

Shahrul Adzuan Ahmad

Training Consultant,

Asian Banking School

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Sylphy Chui

Senior Training Consultant, Asian Banking School

Sylphy Chui has more than 20 years of experience in the banking and training industry. Her experience in the banking sector are in credit sales and marketing, credit evaluation and credit approvals, consumer and commercial loans, and branch management.

She started her career as a Senior Sales and Marketing Executive at a Public Bank Berhad branch where she gained valuable knowledge in branch operations. She then went on to the regional office, where she supported more than 15 branches in the sales team and gained recognition as the Top Three Sales Achiever for 2003 and 2004. In 2005, after receiving the Regional Top Sales Achiever Award, Sylphy was promoted to Sales and Marketing Manager, leading the sales team in the Regional Office. She was promoted again in 2007 and became Business Manager at a branch in Kuala Lumpur, where she led the Credit Department. In 2012, she was promoted to Branch Manager. During this time, the branch she managed maintained themselves as an award-winning branch for five years consecutively from 2013 to 2017.

Sylphy holds a Bachelor’s degree in Commerce, double majoring in Economics and Marketing, from Curtin University of Technology, Perth, Australia and is also a Certified Credit Professional (CCP) through the Institute of Bankers Malaysia (now known as the Asian Institute of Chartered Bankers). She is a Certified Training Professional through the Finance Accreditation Agency and a Certified HRDF Trainer.

Zurina Binti Othman

Senior Training Consultant, Asian Banking School

Zurina Othman has 29 years of experience in banking ranging from branch operations to credit/risk management. She has in-depth knowledge in business banking financing structure, business strategies, credit and risk management.

She started her career in 1995 as the operations officer in one of the leading banks in Malaysia, and successfully progressed to various key positions including the Head of Business Centres, Business Banking prior to her appointment as Chief Credit Officer (CCO) at a Development Financial Institution (DFI). As CCO, she was actively involved in training programmes and appointed as Chairman of the Credit Learning Council. Her areas of training expertise are in Credit Underwriting and Structuring, Credit Risk Management, Trade Financing and Islamic Banking.

Zurina holds a Bachelor’s Degree in Business Study, majoring in Finance, from Universiti Utara Malaysia (UUM). She obtained her Certified Credit Professional, Commercial Banking (CCP) from IBBM in 2004, and the Chartered Professional in Islamic Finance (CPIF) from the Chartered Institute of Islamic Finance Professionals in 2021. She is also a Certified HRDF Trainer and a Certified Expert in Sustainable Finance (CeiSF) from the Frankfurt School of Finance and Management, Germany.

Shahrul Adzuan Ahmad

Training Consultant, Asian Banking School

Shahrul Adzuan Ahmad is a Training Consultant at the Asian Banking School and has 27 years of working experience in the banking sector, with 24 of those years doing training and development at several banks.

His working experience includes branch operations, credit, training administration support as well as developing, delivering, and facilitating training programmes. The training programmes that he has conducted include Foreign Exchange Policy (formerly known as Foreign Exchange Administration Rules), credit, AML/CFT, leadership development and soft skills. At the Asian Banking School, Shahrul has conducted multiple training programmes relating to the Foreign Exchange Policy, Certified Credit Executive (CCE) and Retail Credit Professional (RCP). He also maintains a steady working relationship with the Foreign Exchange Policy Department of Bank Negara Malaysia for regular industry updates and training requirements as well as matters related to the Foreign Exchange Policy.

Shahrul holds a Bachelor of Science degree in Human Resources Development from the University of Technology Malaysia and a Diploma in Banking Studies from the Institute of Technology MARA (now known as the University of Technology MARA). He is a Certified Training Professional (CTP), DiSC - Certified Behavioural Consultant (CBC) and Certified HRDF Trainer.