PROFESSIONAL DEVELOPMENT PROGRAM

 

Note:

-Tea Break & Refreshment will be arranged by the organizer
- Handout & Writing Materials will be provided by the organizer
- Seats are limited and will be served on 'First Come-First Serve' basis
- Participants will be awarded certificates at the end of the session.

Who Should Attend

The course is designed for participants from local and multinational conglomerates. Course shall also serve the purposes of participants from financial institutions, housing companies, large trading businesses etc. the course is expected to add value to the officers and executives working in commercial, project management, financial management, sales, and credit management departments of various business organizations.

Credit Risk Management in Business: Theories and Practices



Date : 21 Oct 2016-22 Oct 2016
Time : 10:00AM to 6:00PM
Fee  : 6500.00 BDT
Training venue :
UPDATE
UTC Tower (Ground Floor), 8 Panthapath, Dhaka (Beside Basundhara Shopping Complex)
Training Objective
Credit risk is the most crucial and vital risk faced by any business. Efficient and effective management of credit risk is essential for a sustainable growth of any business organization.

The course is designed to identify, assess, and evaluate credit proposals, structure credit transactions, portfolio management techniques and general aspects of credit management. Credit appraisal techniques including project finance, working capital finance, and trade credits are also included.

Expected Outcome:
After completing this course the participants are expected to be conversant with:
- Apply credit analysis techniques to assess borrowers in real cases
- Conduct ratio analysis and cash flow analysis
- Structuring loan products in a competitive way
- Identify and work-out problem loans
Training Content
1. Identifying and quantifying the risk
1.1 Defining risk and credit risk
1.2 Importance of credit risk and its interaction with other risks
1.3 Seven C’s of Credit Risk
1.4 Categories of credit risk:
Risk types: lending risk, issuer risk, contingent liabilities, settlement, transfer/country risk
1.5 Methodologies for quantifying the exposures
1.6 Exercise: types of risk for a single customer.
2. Credit Analysis
Financial statement analysis
a) Ratio Analysis
b) Liquidity Ratios
c) Turnover Ratios
d) Profitability Ratios
e) Leverage Ratios
f) Elements of Cash Flow Statement: Direct Method, Indirect Method,
g) Calculating and interpreting Cash Flows Operating Cycle, Cash Conservation Cycle, and Capital Investment Cycle
Non-financial analysis
h) Economy analysis
i) Industry analysis
j) Business analysis
3. Credit assessment and evaluation techniques
a) Assessment and evaluation of Project Loan including BMRE
b) Assessment and evaluation of Working Capital Loan
c) Assessment and management of Trade Credits
d) Assessment and evaluation of Import Credit
4. Managing credit risk
a) Credit limits, concentration limits, and safeguards thereof
Credit Policy Manual
Credit Operation Process
Credit procedures
b) Credit approval authorities and transaction approval process
c) Aggregating exposure limits by customer, sector, correlations
d) Credit mitigation techniques: collateral; termination clauses, re-set clauses, cash settlement, netting agreements
e) Applications and risks of mitigation: wrong way trades
f) Documentation: covenants, primary security, collateral security
g) Exercise: managing credit risk exposure
5. Cost of Credit
Cost of credit concepts: cost of fund, administrative costs and premium appropriate to risk class
Risk Adjusted Return on Capital (RAROC)
6. Portfolio Management
a) Credit portfolio management techniques: syndication, sub-participation, whole loan sales, credit derivatives, securitization
b) Exercise: portfolio management at a major international bank
Facilitator(s) Profile
 

Mohammed Azizur Rahman Shuman
B Sc (Civil Engg), MBA (IBA), CERM, FIEB
Credit/Risk Consultant
  Mr. Mohammed Azizur Rahman Shuman carries with more than a decade’s involvement in banking. Mr. Shuman has proven expertise in credit assessment, risk management, portfolio management, investment analysis, process re-engineering for organizational growth opportunities. He is a creative researcher, problem solver, and financial analyst who strived for harmonized balance among business growth and risk management in banking business. His involvement in drafting risk/credit management standards, systems, processes, and policies with a view to augmenting employee competencies is really praiseworthy. He facilitated a number of training trainings programs in diversified area of finance, business and banking including credit rating, credit management, business management, financial management, financial modeling, financial analysis, risk management, project management, working capital management, BASEL accord, liquidity management, counterparty rating, anti money laundering etc. Mohammed Azizur Rahman Shuman has multi-disciplinary academic backgrounds. He completed his graduation in Civil Engineering from Chittagong University of Engineering and Technology and post graduation in Business Administration (finance major) from Institute of Business Administration of Dhaka University. Along with external trainings, Mr. Shuman is involved in few business schools (IBAIS University, Presidency University etc) as adjunct faculties, where he used to conduct major courses of finance including financial management, financial institutes & markets, credit management etc. As a part of research initiatives, Mr. Shuman presented research papers in few international conferences including The Second International Conference on Statistics, 2015; Annual Banking Conference, 2015; International Conference on Urban Health, 2015 etc. his areas of research interests includes risk management, economic implication of NPL in banks, credit rating etc. As a part of expertise enhancement, Mr. Shuman is currently pursuing higher education in risk management and financial analysis. As a part of that, he already completed ‘Certified Expert in Risk Management’ from Frankfurt Business School. This year he passed Level I of CFA Exam.
Registration Details
Registration payment can be made by cash or A/C Payee cheque in favor of Business Express, before October 20, 2016, till 06:44 pm

Registration Point
Business Express H:38/A (3rd Floor),R: 9/A Dhanmondi, Dhaka-1209

Mob: 01717801435
E-Mail: businessexpress24@gmail.com

Last date of registration: Thursday, 20 Oct 2016
We offer In-House/Customized training on Sales, Leadership, Finance, HR, RMG or any Soft Skill Topics.