BNK 002 – Commercial Credit Upskilling
BNK 002 – Commercial Credit Upskilling
Objective
Who should attend?
Methodology
CURRICULUM
Day One
- Intro of the Topic
- Pre-test on credit – to build awareness of topic
- Information to ask borrower for
- Identifying the critical duties
- Initial skills required
- Advance Skills of a Credit Officer
- Identifying the critical duties
- Initial skills required
- Advance Skills of a Credit Officer
- The 5C’s of Credit and How it helps in Analysis
- Character
- Capacity
- Capital
- Conditions
- Collateral
- Short Term Credit vs Long Term Credit
- Types of Credit
- Negative List and Preferred Industries
- Structuring a Credit
- Risks and Returns
- Risk Mitigation
Day Two
- Understanding a Balance Sheet/ P&L
- Assets/Liabilities/Capital of a business
- Understanding Financial Ratios
- Case study to apply what has been learnt
- Business Plan of the business
- Competitive Advantage
- Modus Operandi
- Value Chains
- Identifying the special in the business
- Asking the correct questions
- Tie-in with what Borrower has said
- Pulling it all together
- Writing a Structured CA
About Instructors
Eric Neoh
- Credit Officer Development Programs
- Change Management
- Effective Communication & Interpersonal Skills