Restructuring and Rescheduling of Debt for SME or Business Banking - Credit

The programme is designed to equip participants with knowledge and skills on debt restructuring and rescheduling as an alternative to preserve assets quality.

This programme will discuss various factors or circumstances leading to potential delinquency and non-performing. The participants will be guided on appropriate actions to be taken to prevent potential credit losses.

Programme Outline

Learning Objectives

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

Explain how business loans can be managed in accordance with BNM's guidelines on loan restructuring
Apply a cash flow–based approach to assess and propose viable restructuring plans
Identify restructured loan portfolios effectively to ensure continued performance and early identification of emerging risks
Apply a structured approach to propose a rescheduling plan based on borrower capacity
Appraise and manage the legal implications in both conventional and Islamic finance contexts

Programme Outline

Overview of Loan Portfolio management
BNM guideline on R&R
Impact of impairment, credit losses and write-offs
Warning signals identification and mitigation
Debt Restructuring
Identify factors and mitigation
Definition and types of restructuring
Steps to be taken in proposing restructuring – cashflow approach
Impact to legal documentations (including for Islamic banking)
Monitoring of portfolio
Debt Rescheduling
Definition of rescheduling
Steps to be taken in proposing rescheduling
Impact to legal documentations (including for Islamic banking)
Monitoring of portfolio

METHODOLOGY

Lectures, quizzes, case studies, group discussion

Participant profile

Relationship Managers, Credit Analysts & Officers, Loan/Financing Officers, Debt Recovery Officers, SME/Business Banking Officers, Branch Managers, Risk Management & Compliance Teams, Finance Professionals in Development Banks or DFIs, Legal Officers (Banking Sector), SME Advisors / Consultants

Trainer

Zurina Binti Othman

Senior Training Consultant,

Asian Banking School

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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.