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  • Equip with the relevant knowledge, skills and attitude towards business credit essentials
  • Equip with the Basic skills in understanding and types of tools in analyzing the credibility of a borrower’s business, financial and risk profiling
  • Basic understanding of SMEs, Commercial and Corporate Business Credit
  • Able to understand the different types of lending, credit product risks, pricing, fundamental credit and credit risks principles
  • Financial Statement make up and its credit and business analysis
  • Understand the Basic Types of financial ratios used in analyzing Business Credit
  • Recognize the major drivers of business and financial policies of a company and analysis of its financial statements.
  • Business Credit Cycles and Asset Conversion Cycles.
  • Different types of securities and covenants to be applied to business credit

3 days Comprehensive Credit Fundamental Workshop Fundamentals of Credit Principles and Fundamentals of Financial Statement Analysis for Credit Originators

Module 1: Credit Jargon language used in credit proposal write up

  • Credit language; Credit Instruction
  • Credit Mitigation
  • Negative & positive Credit Jargons


Module 2: Introduction to Credit

  • What is Credit and its fundamental principles of lending
  • Good vs. bad lending


Module 3: Business Lending Products & Services

  • Types of Products & Services
  • Types of Lending
  • Product risks profiling
  • Credit Processing Policy & Procedures
  • Pricing Strategy


Module 4: Principles of Lending

Module 5: The 5 C framework and Qualitative & Quantitative Information needed for Business Credit, Credit Scoring Mechanism

Module 6: Types of borrowers and their legal status

Module 7: Credit information and its verification in Business Credit

Module 8: Fundamentals of Financial Statement & its analysis

Module 9: Loan Landed securities and credit support in Business Credit

Module 10: Basic Understanding of Guarantees and Indemnities

Module 11: Case Study: Business Credit Simulation

  • Credit Officers

Get in touch

+6012-215 9885
B-­04­-43, Blok B, Pusat Perdagangan Ekoflora, Jalan Ekoflora 7/1, Taman Ekoflora, 81100 Johor Bahru, Johor, Malaysia.

29-1, Jalan 2a/27a, Seksyen 1 Wangsa Maju, 53300 Kuala Lumpur, Malaysia.

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