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professional coaching - risk/credit management

ACQUIRING CORE SKILLS IN CREDIT REVIEW:

ADVANCED CREDIT REVIEW 1 TO 5

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2nd participant* pays 75%,

subsequent participant* pays 50% only.

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Basel II: Operational Risk Management

Effective Credit Review in Banks

Marketing & Group Lending through Consolidated Financial Statements

The Role of Compliance Officer in a Bank

Understanding & Auditing VaR

Workout Credit - MAS Guidelines

Audit Skills & Techniques

Capital Market & Derivatives

Foreign Exchange & Treasury Management

Loss Prevention

VENUE: THE TRADERS HOTEL - SINGAPORE

MARCH 6, MARCH 13, MARCH 20, MARCH 27, APRIL 3, 2009

INTRODUCTION

Credit Review 1 to 5 is an intensive, technical hands-on course in which YOU will receive comprehensive instruction on accounting and economics aspects of financial analysis that evaluate the credit quality of various types of loans.  After discussion of the theory and real world aspects of credit analysis, the course moves to interpretation, where you will follow the lead of the instructor in building your own techniques in performing credit review.  As the course progresses, you will perform more work on an independent basis using case studies to assess various different kinds of risk.  In addition to building your own credit review models, you will learn how to use fully developed models of companies that incorporate sophisticated debt structuring, break-even analysis, contract pricing and group accounts.

In addition to building comprehensive models to evaluate credit analysis, participants will work through a number of focused modeling exercises that concentrate on how to resolve complex issues.  By the end of the course, you will be able to incorporate techniques such as DuPont Model diagrams, cash flow management and debt service reserves in the models you have developed on Your own.

In the process of learning how to model credit analysis, the course addresses a wide variety of financial and economic issues.

This is Your Opportunity to...

• Learn how to build financial models from a blank slate

• Learn how to incorporate advanced financial concepts in spreadsheet models

• Find out how to improve credit analysis using DuPont Model concepts

• Discover how to model elaborate debt structuring issues including cash flow sweeps, debt service reserves and cross defaults

CREDIT REVIEW 1 - INTRODUCTION TO CREDIT ANALYSIS

Program Date: 6 March 2009     Closing Date: 14 February 2009

Module 1

• Sound Financial Management

• Introduction to financial analysis

• Financial and economic background for credit analysis

Review of the theory and practice of credit analysis

• Source of repayment

• Second way out 

• Covenants

• Cross Defaults

• Collateral

Module 2

Debt structure theory and analysis

• Debt capacity of alternative business endeavors

• Alternative debt repayment structures

• Risky debt as a put option

• Cash flow sweeps

• Duration and other measures

Credit Review 2 - Effective Analysis of Financial Statements

Program Date: 13 March 2009    Closing Date: 22 February 2009

Module 1

Financial ratios and credit analysis models

• Interest and debt service coverage

• Debt to cash flow and leverage

• TS Model

• MM Model

Module 2

Basic programming mechanics in financial models

• Spreadsheet style conventions

• Building block approach

• Model Set-Up

• Modeling financial statements

• Free cash flow and credit analysis

Credit Review 3 - Identifying Crisis in Capital Structure

Program Date:  20 March 2009     Closing Date: 28 February 2009

Module 1

Dangers and pitfalls in Capital Structure

Mechanics of adding debt to financial models

• Debt balance tables

• Inclusion of interest expense, debt repayment and debt balance

• Computation of free cash flow versus equity cash flow

• Construction of a balance sheet and use of a balance sheet in auditing the model

Module 2

Maximum debt capacity analysis

• Debt leverage

• Debt term

• Debt service coverage

• Appropriate benchmarks and information

• Cost of capital from debt sizing

Case study and exercises

Credit Review 4 - 

Effective Valuation Techniques & Identifying Window Dressing in Financial Statements

Program Date: 27 March 2009      Closing Date: 3 March 2009

Module 1

Incorporation of economic assumptions in credit analysis

Discussion of credit defaults

• Selected examples - Enron, WorldCom

• Case studies

Module 2

Case study on advanced credit analysis & re-structure

Discussion of debt re-structure

• Review of capital structure issues in re-structure

• Absolute priority rule in theory and practice

• Going concern value and liquidation value

• Negotiation and incentives in debt restructure

• Alternative solutions in debt re-structure

Case study of debt re-structure

• Value of enterprise

• Alternative frameworks for analysis

• Pro-forma transaction Set-Up

Credit Review 5 - Managing Credit Default

Program Date: 3 April 2009    Closing Date: 10 March 2009

Module 1

• Credit ratings and probability of default

• Review of credit ratios

• History of yield spreads

• Probability of loss and probability of default

Module 2

• Valuation of risky debt

• Structure of risky debt as an option

• Probability of default and interest rate spread

• Mechanics of equating value of risky debt to risk free debt

• Iterative procedure in deriving required risk spread

Who Will Gain from this coaching session:

• Credit analysts

• Credit managers

• Credit researches

• Risk/treasury managers who constantly assess the credit worthiness of transactions

• Executives involved in corporate credit analysis, granting, monitoring in banks & financial institutions

• Lender/Relationship managers

• Supervision & regulatory personnel

• Managers/directors involved in commercial banking

• Specialised lenders

Text & Materials

Other than the most important item - knowledge of how to build, use and analyse financial statements for credit analysis, participants in the course will receive many other resources. 

Learning Format

Acquiring Core Skills in Credit Review is designed as a 5-day program.  For purposes of the outline, each of the 5 days is divided into 2 modules, resulting in a total of ten progressive modules for the entire course with ascending difficulties.

Each review course is self-contained.  Programs could be attended on a consecutive basis or stand-alone depending on the seniority, experience and interest of the participants.

Consider the Benefits of In-House training:

Our qualified team of experts cover the same content available in the public courses customised specifically to meet the needs and desired training outcomes of your organisation.  This world class training solution can be delivered at your convenience anytime, anywhere in the world.  

For more details, please contact Jerene CFE, Texas, USA, via email: jerene@cfe-in-practice.com

METHODOLOGY

This coaching by a Certified Fraud Examiner consists of a lively series of short participative lectures conveyed using plain uncomplicated explanations.  Learning will be facilitated through discussion and case studies.  Ample coaching materials will be given to participants so that these will be a constant source of reference to them.  Ample time will be allotted for the transfer of ideas.

Principal Coach

TOMMY SEAH, CFE MIIA CMC ACIB etc.  Click here for Tommy Seah's Profile and business.

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Register on-line today.  Our email address is: registration@cfe-in-practice.com

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