Executive Certificate in Corporate Relationship Management Module 3: Credit Evaluation and Risk Mitigation
- Finance & Investment
- Innovation & Business Improvement
This module is conducted in-person.
3 Full days (Weekdays)
Assessment on Day 4 (9.15am - 10.45am)
Who Should Attend
- Assistant Relationship Managers or Relationship Management Associates
- New hires supporting the corporate banking function
- Aspiring individuals who are keen to pursue a career in the corporate banking industry
- Trade finance, cash management, credit personnel who require deeper understanding of the corporate lending function
- Banking professionals supporting the corporate banking department such as legal and compliance, IT, risk and audit
PREREQUISITES
There are no prerequisites for this programme. Prior knowledge on any of the topics is not required.
Overview
This module adopts a structured approach in credit evaluation of corporate clients. Participants will learn how to verify key documentation needed for credit assessment, apply credit risk analysis techniques and credit ratings to assess credit worthiness, and gain hands-on practice in financial analysis and construction of financial forecasts to support credit lending decisions.
This module is stackable towards a certification for the role of Assistant Relationship Manager/ Relationship Management Associate.
Learning Objectives
At the end of the 3-day module, participants will be able to:
Learn the general principles of corporate lending
- Understand the credit evaluation framework and process
- Determine the key lending risks
- Assess credit worthiness of a potential borrower
- Interpret information contained in financial statements
- Predict corporate distress at an early stage
- Mitigate risks with appropriate covenants, collateral and credit support
- Identify key components in the loan agreement to protect the lender
- Appreciate the relationship between risk-based pricing and facility structuring
- Apply internal credit rating policies and systems to determine customers’ credit standing according to customer types
Topic/Structure
Overview of Risks Faced by Commercial Banks
Categories / Components of Credit Risks
- Categories / Components of Credit Risks
- Expected Loss and Drivers of Credit Risks
- Relationship between Capital and Credit Losses
Credit Risk Policies, Process and System
- Credit Policies
- Credit Process & Systems
Credit Evaluation Overview
- Lending Process Overview
- Credit Evaluation Process and Framework
- Key Components When Structuring a Credit Proposal
Credit Risk Analysis – Qualitative factors
- Objective of Credit Analysis
- Principles of Good Lending
- Analysing the Credit Risks
- Purpose of Loan
- Business Analysis
- External Impact Analysis
- Management
- Financial Statement Analysis
Credit Risk Analysis – Financial Statement Analysis
- Auditor’s Report
- Financial Performance Analysis
- Financial Health Analysis
- Cashflow Statement Analysis
Credit and Lending Regulations
- Companies Act
- Banking Act
Credit Documentation Requirements and Validation Approaches
- Credit Documentation at Various Stages of The Lending Process
Assessment
As part of the requirement for IBF-STS accredited courses, there will be an assessment conducted at the end of the course. The mode of assessment, which is up to the trainer’s discretion, may be an online quiz, a presentation or based on classroom exercises.
Participants are required to attain a minimum of 75% attendance and pass the associated assessment in order to receive a digital Certificate of Completion issued by Singapore Management University.
Fee Table
PARTICIPANT PROFILE
| SELF-SPONSORED
| COMPANY-SPONSORED |
Singapore Citizen < 40 years old
Permanent Resident
| $1,7701 | $1,7701 |
Singapore Citizen ≥ 40 years old
| $1,1702 | $1,1702 |
International Participant
| $3,270 (No Funding)
| $3,270 (No Funding)
|
All prices include 9% GST
1 50% IBF-STS funding for Singapore Citizens and Permanent Residents
2 70% IBF-STS funding for Singapore Citizens aged 40 years old and above
For more information, you may refer to this link.
Note: Fees may be subject to change, according to prevailing funding terms and conditions from the Institute of Banking and Finance Singapore (IBF).
Please note that the programme fees are subject to change without prior notice.
IBF - STS Funding (For courses commencing from 1 Jan 2023 onwards)
Standards Training Scheme
IBF-STS Funding of 50% is available to eligible institutions and qualified individuals, subject to meeting the attendance requirement and passing of assessment. The IBF-STS funding is subject to a cap of S$3,000 per participant per programme.
Singapore Citizens aged 40 years old and above will be eligible for 70% co-funding of direct training costs.
The IBF Standards Training Scheme (IBF-STS) provides funding for training and assessment programmes accredited under the Skills Framework for Financial Services. It is applicable for both Company-Sponsored and Non Company-Sponsored individuals.
Click here for more details.
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