
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)
- Credit Cycle: – What is Loan Structuring
- Loan Structuring Mechanism – ACC and CAPEX Cycle
- Determining Business Funding Requirements
- Key Credit Risks in Loan Structuring
- Factors affecting the pricing of loans / Facilities
- 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
- Business Failure and Sign of Business Distress
- Creative Accounting
- Cash Flow analysis and sensitivity scenario testing
- Credit Officers
- Bank Officers
Get in touch
+6012-215 9885
info@cctc.com.my
HQ:
B-04-43, Blok B, Pusat Perdagangan Ekoflora, Jalan Ekoflora 7/1, Taman Ekoflora, 81100 Johor Bahru, Johor, Malaysia.
Branch:
29-1, Jalan 2a/27a, Seksyen 1 Wangsa Maju, 53300 Kuala Lumpur, Malaysia.
B-04-43, Blok B, Pusat Perdagangan Ekoflora, Jalan Ekoflora 7/1, Taman Ekoflora, 81100 Johor Bahru, Johor, Malaysia.
Branch:
29-1, Jalan 2a/27a, Seksyen 1 Wangsa Maju, 53300 Kuala Lumpur, Malaysia.