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Case-based Approach to Advanced Financial Statement Analysis
Analysis of Financial Statements will require analyst to go beyond a fundamental understanding of the statements
Our Programmes / Public Programmes / Credit / Case-based Approach to Advanced Financial Statement Analysis
  • Overview
  • Objectives & Outline
  • Methodology
  • Participant Profile
  • Trainer
  • Overview
    PROGRAMME DETAILS
    DATE
    8 – 9 May 2017
    TIME
    9:00 am – 5:00 pm
    VENUE
    Asian Banking School
    Presentation is amongst the last phases of credit origination. One may have good credit at hand but may falter due to poor presentation. This is made more challenging as the competitive lending market has made banks move towards lower tier credits where credit rationale and worthiness are less evident i.e., requiring more clarity, articulation and convincing on the part of Relationship Managers (RMs). RMs should be able to deliver at presentation so that all origination and underwriting work will not be in vain to meet credit committees and approvers greater expectations for due diligence. While an outgoing personality may help, it does not necessarily make one a good credit presenter. This is because credit is fundamentally technical albeit having subjective elements. RMs need credit skills and at the same time, if an RM is too technical and not street smart, this may be an impediment too as they may not be able to handle the very demanding expectations of credit committees or approvers today.
    LEARNING LEVEL
    Intermediate
    Programme Fee*
    AICB member
    MYR
    2,200
    / PAX
    Non-member
    MYR
    2,700
    / PAX
    *inclusive of GST
  • Objectives & Outline
    LEARNING OBJECTIVES
    Upon completion of the programme, participants will be able to:
    • Be aware of basic credit fundamentals as a prerequisite to credit presentation
    • Be aware of good credit writing and articulation skills as effective presentation is predicated upon well written credit papers
    • Comprehend the expectations of credit committees / approvers
    • Comprehend the dynamics or presentation and effective presentation
    • Make presentations with more clarity, concisely and convincingly – ultimately being able to “sell” their credits easier
    PROGRAMME OUTLINE
    Part A : The Fundamental Credit Skill Sets – The First Prerequisite to Presentation
    • The Thoth Capital Credit Appraisal Map – having the right mindset/thought process
    • The importance of establishing the borrowing cause
    • Understanding borrower, business & their environment – information is power!
    • Risk Analysis – identifying the issues, understanding the risk dynamics & determining mitigating factors
    • Financial Analysis – using the Thoth Capital Financial Evaluation and 4 Segments Approach
    • Risk Profiling – putting the credit together to enable the big picture


    Part B : The Credit Application Report – The Second Prerequisite to Presentation
    • Importance of Articulation - A credit is only as good as the report it is articulated in!
    • A quick run through on how to write good credit reports


    Part C : Expectations of Credit Committees & Approvers
    • Roles of credit committees & approvers
    • What do credit committees & approvers want to see in credits?
    • What do credit committees & approvers expect during presentations?
    • Knowing your Credit Approvers & Committees


    Part D : Presentation Skills
    • Common presentation mistakes
    • Confidence as the foundation of presentation
    • TC’s Credit Presentation Map – A Step by Step Guide
    • KISS Principle in presentation
    • Presentation Coverage
    • Appropriate proper body language and voice tone
    • Playing Devil’s Advocate – an important prep to presentations
    • Making effective presentations yet staying original


    Part E : Practical Exercises - Credit Presentation Using Live Cases
    • Participants will be split into presentation & approver groups, and given a case study each based on a live credit report. (Note: Some of these credit reports may lack quality and therefore require more due diligence)

      Task: The Groups are to undertake prep work on the case and ensure proper due diligence and thereafter make presentations to the Credit Committee/Approver (which is to be led by the Facilitator).
  • Methodology
    The course will be workshop based comprising lectures, sharing of facilitator experiences, discussions and class exercises with group presentations based on live case studies. The module will also see the use of Thoth Capital's proprietary user friendly guides to help participants execute the various credit areas.
  • Participant Profile
    Relationship Managers from SME, Commercial and Corporate Banking - junior, intermediate to advanced levels, personnel earmarked for RM positions and Non-RM's who are required to present credit proposals for approval
  • Trainer
    LIM TIEN CHEE
    Lim Tien Chee or “TC” as he is popularly known is currently the Director and Managing Consultant of Thoth Capital Sdn Bhd, a management consultancy cum training outfit which mainly services the banking industry and has been in operation since 2004.

    TC has 12 years’ line and management experience across the credit value chain at RHB Bank.  He headed departments within Commercial and Corporate Banking and Credit Management, and has a good appreciation of the local banking environment. The job scope during his tenure extended from origination, underwriting, restructuring and to approvals.

    At the age of 30, TC was promoted to department head of a corporate banking unit. In 2004, he was promoted to Vice President when he was 33, making him one of the young high performers RHB Bank. His portfolio extended from SMEs to large listed conglomerates. In Corporate Banking, the portfolio size under his care exceeded RM2 billion and exposed him to all facets of the economy – from trading, manufacturing, agriculture, oil and gas, and public infrastructure.
    In Credit Management, where independent evaluation of commercial and corporate loans is undertaken, TC was one of the youngest senior credit managers to be granted discretionary authority for loan approvals and a pioneering member of RHB Bank’s Credit Management Division. TC was also instrumental in developing the credit policy for RHB Bank and was often called upon to undertake strategic and risk management initiatives including due diligence reviews for its mergers and bank wide transformations.
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