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This course is aimed at helping participants to be gain in-depth knowledge and skills in loan structuring and credit assessment to ensure bank’s interest are protected and sustainable in repayment capability.

This interactive 2-day tutorial and followed by post assessment Techniques will ensure the knowledge and skills of loan structuring & credit assessment are inducted and by allowing participants to engage and discuss in some case let and MCQ.

  • Describes the process of loan structuring and funding requirements in a trading, manufacturing, capital investment from short-term and long-term financing requirements of a business environment.
  • Describes the importance the ability to identify credit risks from the clientele business may it be business or financial risks.
  • Does the loan structure match the business cycles and match the bank’s criteria from covenants, pricing structure, tenure, amount, repayment and collateral?
  • Measure, quantify and evaluate the actual borrowing needs of the client (lend them what they need as opposed to what they want).
  • Apply credit assessment :- It is a bankable credit? In areas of the following:-
    • Understand the difference between short, medium and long term loans and the risk profiles
    • Analyze the cash flows to sensitivity analysis – to determine the source of our repayment over the length of our loans and sustainability of repayment capability
    • Select the most appropriate lending structure
    • Decide whether security is required
  • Select appropriate documentation and loan covenants to manage the loan
  • Learn how ongoing management of the loan is vital (following the bank’s money)
  1. Credit Cycle: – What is Loan Structuring
  2. Loan Structuring Mechanism – ACC and CAPEX Cycle
  3. Determining Business Funding Requirements
  4. Key Credit Risks in Loan Structuring
  5. Factors affecting the pricing of loans / Facilities
  6. Tools in credit Assessment from Qualitative to Quantitative Mechanism like SWOT, BCG Matrix, Financial Ratio analysis, Business, Financial, Security, PESTD effects, ACC mechanism and Trend analysis
  7. Business Failure and Sign of Business Distress
  8. Creative Accounting
  9. Cash Flow analysis and sensitivity scenario testing
  • Credit Officers
  • Bank 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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