The Credit Skills Professional for Graduate Trainee is a Comprehensive total of 8 days which can be staggered into 4 + 4 days non stretchable but breakout into two sessions inclusive of   Overall Credit Skills Assessment for SME Bankers. The participants will go through a total of 7 modules of credit parameters of lending. Each module, participants will be assessed to gauge their knowledge, skills and attitude towards business credit. All participants are required to pass all the modules

The certificates of achievement will be signed by Head of Business Banking: –

 Gold Award Certificate: 75% consistent across all modules

Silver Award Certificate: 65- 74% average

Bronze Award Certificate: 50 – 64% average

Below Average: Area for coaching & Development: 45% and below

• Understand the importance of lending from the Banker’s perspectives
• Apply the fundamental of lending principles in day to day credit proposition and credit cycles.
• Appreciate the importance of quantitative & qualitative analysis in lending
• Understand the different types of lending in banking and its fundamental credit and risk management principles
• Apply the different risks mitigation and credit support in a credit proposition
• Understand peculiarity of Asset Based Lending, Working Capital Financing
• Understand & apply the internal credit architecture in lending and approval
• Appreciate the Management and Monitoring of account portfolio

Part A: BASIC CREDIT SKILLS I

Module 1: FUNDAMENTAL OF CREDIT (1.5 days)

• Mindset of Lenders: – Behavioral, Ethics, Attitude towards Credit Lending
• What is Credit from Lender’s & Borrower’s perspectives
• Mentality towards lending
• Importance of Credit to the Bank, Industry and Country Growth
• Lending Pyramid
• Understand the Credit Jargons & its importance
• Legal compliance in Lending: Internal & External
• Basic lending principles
• Basic Credit Risk Management principles
• Types of lending and its risk
• Types of Lending Products

Credit Assessment I (Subjective & MCQ)

 Module 2: BASIC CREDIT RISK, CREDIT COVENANTS, Types of Borrowers ( 1.5 days)

• Types of Risks in Banking?
• What is Credit Risks in Lending?
• Credit Risk Identification
• Types of Borrowers & Its Risk to Lenders
• Basic credit factors from the lender’s perspectives
• Types of Credit Risks affecting Customer Business
• Types of Credit Risks affecting Customer’s Repayment Capabilities
• Asset Conversion Cycles / Business Cycles
• Credit Risks & its Mitigation

Credit Assessment II (Case Study and MCQ)

Module 3: BASIC LEGAL DOCUMENTATION, SECURITIES & CREDIT SUPPORT & PRICING (1.5 days)

• Types of Legal Documentation in Lending
• Letter of offer, Loan Agreement, Security Agreement
• Types of Securities in Lending
• Types of Credit Support in Lending
• Types of Base Pricing & Risk Weightage in Lending

Credit Assessment III (Case Study and MCQ)

 Part B: Basic Credit Skills II

Module 4: Credit Cycles Mechanism (0.5 day)

• Credit Cycles in Lending
• Application of Basic Credit Skills in Credit Cycles in Lending
• Scope of Business Credit Evaluation in Credit Cycles
• Credit Risks in the Asset Conversion Cycles & Credit Cycles
• Credit Tools to understand Customer’s Business operations and its risks

Credit Assessment IV (Case Study and MCQ)

Part C: General Knowledge of Business Annual Accounts (1 day)

 Module 5: General Accounting Principles

• Basic Accounting Principles, Doctrines & Conventions
• Components of Annual Accounts of Businesses
• Basic Aspect of Credit Analysis
• Basic Interpretation of Financial Positions
• Basic Qualitative of Financial Analysis

Credit Assessment V (Subjective & MCQ)

Part D: Internal Credit Policy for Small Business Banking – Optional ( 1 day)

(Can be trained by UOB Team Leaders / Business Banking Team Leaders)

 Module 6: UOB BB Internal Lending Architecture

• UOB Loan Proposition Format – Key areas
• Components of UOB Credit Proposition
• Target Markets / Industry / Customers / Business
• Pricing Strategy
• Monitoring Process
• Risk Reward Relationship

Module 7: UOB Business Banking Credit Writing Skills ( 1 day)

• A good credit paper proposition
• A bad credit paper proposition
• How to write a good credit Paper?
• UOB format

Final Assessment:  Full Credit Assessment & Presentation – Groups

• New to Credit
• Have some knowledge of banking products & services
• Have some knowledge of banking law, legislation & compliance