Advanced Credit Management

Workshop dates:

Johannesburg:  For future dates email customerservice@norcazacademy.co.za
Durbanville, Cape Town:  In-House ONLY

Course Fee: 

Single: R6,800.00 (R7,752.00 incl. VAT)
Group booking of 3 delegates:  R6,000.00 (R6,840.00 incl. VAT) – T&Cs apply.

In-House Training sessions: available on request – send an e-mail with specifications to admin@norcazacademy.co.za

What will you get out of this workshop?

This course will provide experienced leaders with the necessary skills to increase the profitability of their loan  portfolios by mitigating the potential risks.

Outcome
  • Understand the constraints and risks of business growth
  • Learn key issues in Loan Management
  • Be acquainted with the design and use of financial dashboards to monitor your business
  • Gain knowledge of the key concepts in setting up an Early Warning System
  • Know how to conduct loan reviews
  • Grasp the key principles of Loan Portfolio Management
  • Use a stress test to uncover risks in your loan portfolio
  • Find out the key responsibilities of Account Managers in loan management
Who Should Attend?
  • Syndication staff
  • Trade finance staff
  • Project finance staff
  • Senior relationship managers
  • Team leaders
  • Marketing staff
  • Senior credit analysts
  • Senior credit approvers
  • Finance staff from non-banking institutions
  • Corporate & Commercial Bankers
Course Methodology

A combination of a presentation of general principles, case studies and discussions

COURSE OUTLINE
Overview
  • Concepts of Credit Risks
  • Key Considerations for Business Growth
  • Business Strategy Analysis Models
  • Working Capital Analysis
  • Sustainable Growth Rate Analysis
  • Debt Capacity Analysis
Loan & Portfolio Management
  • Pre and Post disbursement risks
  • Types of risks:  Controls
1.  Primary Controls

Loan Management

  • Objectives
  • Components
  • Strategy

Use of Financial Dashboards for monitoring

  • Uses of financial dash boards
  • Considerations for implementation

Setting Up and Early Warning System

  • Sources of information
  • Early Warning signs
  • Possible Conclusions

Predicting corporate Distress

  • Application of statistical models
  • Comparison of models

Dealing with Problem Loans

  • Nature of problems
  • Immediate action drill

Key Responsibilities of an Account Manager

2.  Secondary Controls

Loan review

  • Objectives
  • Key review areas

Portfolio Management

  • Objectives of Portfolio Management
  • Identifying portfolio risks associated with lending
  • Credit Risks
  • Interest Rate Risks
  • Liquidity Risks
  • Price Risks
  • FX Risks
  • Transaction Risks
  • Compliance Risks
  • Strategic Risks
  • Reputation Risks
  • Loan portfolio objectives
  • Credit culture
  • Principles of portfolio management
  • Oversight
  • Risk Identification
  • Exceptions to Policy, Procedures, and Underwriting Guidelines
  • Documentation Exceptions
  • Policy and Underwriting Exceptions
  • Aggregate Exception Tracking and Reporting
  • Portfolio Segmentation and Risk Diversification
  • Identifying Concentrations of Risk
  • Evaluating and Managing Concentrations of Risk
  • Concentration Management Techniques

Stress Testing

       
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