Credit Risk Structuring

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					CREDIT RISK MANAGEMENT:
L OAN STRUCTURING
                                                    Wednesday – Friday
                                                  11 – 13 February 2009
                                                            Kuala Lumpur




   21 CPE
 credit hours
   for CRP      This programme also benefits those preparing for IBBM’s
   holders      CCP (Business) examination




          INSTITUT BANK-BANK MALAYSIA
O   Upon completion of the programme, participants will be able to:
B   •   understand the importance of structuring facilities appropriately for effective
J       management of risks
E   •   determine the overall funding requirement of a business
C
    •   identify the generic trade finance and loan products of lenders
T
I   •   relate the trade finance facilities needed by a business to the business’ operating cycle
V   •   structure appropriate amount, tenor and types of trade finance facilities
E   •   assess key areas of structuring term lending
S   •   analyse the cash flow of a business to assist in structuring appropriate repayment
        schedule


    •   Methods of Payments in International Trade: Relevant Credit Aspects

    •   Objectives and Process of Credit Facilities Structuring

    •   Determining Business Funding Requirements
        °   Cash to cash cycle
        °   Capital investment cycle

    •   Relating Working Capital/Operating Cycle to Working Capital Financing Needs
K
E   •   Computation of Net Working Capital Requirement
Y
    •   Key Credit Considerations for Working Capital Financing
T
O   •   Structuring Appropriate Working Capital Financing Facilities
P       °   Understanding and determining business’ cash needs
I       °   Understanding and determining business’ non-cash needs
C       °   Determining appropriate tenor of financing
S
        °   Effective structuring to avoid double financing

    •   Concept of Target Utilisation Rate in Structuring

    •   Concept of Target Share of Business in Structuring

    •   Key Credit Considerations for Term Lending

    •   Key Areas of Analysis in Term Lending

    •   Use of Cash Flow Projections
        °   Distinction between cash flow and accounting profits
        °   Methods of cash flow projection
        °   Determining the appropriate tenor for term lending

    •   Factors Affecting the Pricing of Loans and Facilities
T    A                                                                                                   A
A    U                  Lectures, group discussions and case studies to enhance overall learning.        P
R    D                                                                                                   P
G    I                                                                                                   R
E    E        Officers in corporate, retail and branch banking who have up to 3 years of                 O
              lending experience. Participants should have basic knowledge of financial
T    N        statement analysis.
                                                                                                         A
     C        Those preparing for IBBM’s CCP (Business) examination will also benefit from               C
     E        this programme.                                                                            H

Dr Johnny Tan, a Certified Management Consultant, is the Managing Director of Impact
Consultancy and Training Pte Ltd, Singapore. He has been a lecturer / trainer for Institut Bank-
Bank Malaysia, Institute of Banking and Finance in Singapore and the Singapore Institute of
Management for many years. Johnny was also a RMIT Regional Course Coordinator for an
MBA programme.
                                                                                                         S
                                                                                                         P
                                                                                                         E
Prior to being a consultant, Johnny was in the banking and finance industry for more than a
                                                                                                         A
decade involved primarily in corporate lending activities. His last position was as Manager /            K
Vice President, Corporate Banking. He has also conducted numerous in-house training                      E
programmes for many major local banks in Malaysia, Singapore, Indonesia and Thailand.                    R

He holds a B. Math (Honours) with chartered accountancy option and information system, a
Master in Applied Finance and a Doctorate in Business Administration.


          Date       Wednesday – Friday, 11 – 13 February 2009

          Time       9.00 a.m. – 5.00 p.m.
         Venue       Institut Bank-Bank Malaysia
                     Wisma IBI, 5 Jalan Semantan
                     50490 Kuala Lumpur
         Attire      Office wear                                                                         A
           Fee       STF Member : RM400                                                                  D
                     IBBM Member : RM1,000                                                               M
                     Non-Member : RM1,400                                                                I
                     The above fee includes programme materials, meals and refreshments.
                                                                                                         N
                     Payment of fee must be made BEFORE commencement of the programme.
                                                                                                         I
                     This programme qualifies for double tax deduction.                                  S
                                                                                                         T
 Closing date        Wednesday, 28 January 2009
                                                                                                         R
     Enquiries       Kindly contact Suhaifie / Rahmat at 03-2095 8922 ext 166 /142.                      A
 Nominations         Participation is limited to 20 on a first-come-first-served basis. IBBM reserves    T
                     the right to decline any nomination, without the obligation of providing any        I
                     reason. Confirmation of participation is by way of official notification from the   V
                     Institute.
                                                                                                         E
        Kindly       The Executive (Learning Solution 3)
       address       Institut Bank-Bank Malaysia
                                                                                                         D
    nomination       Wisma IBI, 5 Jalan Semantan
     form(s) to      Damansara Heights                                                                   E
                     50490 Kuala Lumpur                                                                  T
                     Fax : 03-2095 7822                                                                  A
                     Email : lead@ibbm.org.my                                                            I
                                                                                                         L
 Commitment          The intensive nature of IBBM programmes requires the participants’ full
                                                                                                         S
          to         undivided attention and attendance at all sessions. Participants should be free
  programme          of their professional obligations for the duration of the programme.
Notice of withdrawal:
Unless written notice of withdrawal is received
before the closing date of the programme, the
full fee is still due in the event of non-
attendance.       The       Institute    accepts
replacement(s), which must be in writing, prior to
the     programme’s      commencement       date.
However, no substitution of participant(s) will be
allowed for the duration of the programme. The
Institute reserves the right to make changes to
the schedules, venue or cancel the event
altogether.                                                                                    REGISTRATION FORM

CREDIT RISK MANAGEMENT: LOAN STRUCTURING
11 – 13 February 2009

                                                     Please register the following participant(s) for the above programme.
                                                     Participant 1
                                                      Name

                                                      New NRIC No.                                     -          -
                                                      (Mandatory)
                                                      Individual Membership
                                                      No. (if any)
                                                      Ethnic Group            Bumiputra   Bumiputra   Chinese   Indian   Others
                                                      Please tick ( ) where   Malay       Others
Name & Signature of Nominating                        appropriate
Officer (Please stamp)
                                                      Designation and
                                                      Department
                                                      Email

                                                      Name of
                                                      Organisation

                                                      Address of
                                                      Organisation

                                                      Tel

Name & Address of Nominating                          Fax
Organisation (Please stamp)
                                                     Participant 2
                                                      Name

                                                      New NRIC No.                                     -          -
                                                      (Mandatory)
                                                      Individual Membership
                                                      No. (if any)
                                                      Ethnic Group            Bumiputra   Bumiputra   Chinese   Indian   Others
FEE
                                                      Please tick ( ) where   Malay       Others
Please make bank draft/cheque payable
to INSTITUT BANK-BANK MALAYSIA.                       appropriate
Please include additional RM0.50/0.03%                Designation and
of the amount, whichever is higher, for               Department
outstation draft/cheque. Payment of fees              Email
must be made BEFORE commencement
of the programme                                      Name of
                                                      Organisation
  Bank Draft/Cheque No
                                                      Address of
                                                      Organisation

  RM                                                  Tel

                                                      Fax

                                                     Please photocopy for additional participants.

        Please complete and return this form to the Institute before 28 January 2009

				
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