Credit Analysis:
for Banking & Lending
Practitioners
Lenders have traditionally faced credit risk in the form of default by
borrowers. Credit risk remains a major concern for lenders
worldwide. The more they know about the creditworthiness of a
potential borrower, the greater the chance they can maximise
profits, increase market share, minimise risk and reduce the financial
provision that must be made for bad debt.
This workshop provides fundamental understanding of the credit risk
analysis process and discusses in detail various aspects of financial
statement analysis, including ratio and cash flow analysis, amongst
other things, to help in making better management decisions, etc …
that could affect creditworthiness.
Date: 23rd February 2016 (Tuesday)
Time: 8.30am – 4.30pm
Venue: Casa Leone, Triq l-Imhazen, Pjazza Robert Sammut,
Floriana
Objectives
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Apply credit analysis to assess borrowers in real
cases
Perform ratio and cash flow analysis
Structure loan products in a competitive manner
Identify and work-put problem loans
Better evaluate risks involved in granting credit
Achieve clearer understanding of the limitations
of financial statements
Undertake in-depth analysis of financial
statements
Learn the structured approach of carrying out a
credit assessment
Understand the systematic monitoring of a
bank’s portfolio and associated risks
Course Overview
08.30 Registration and Coffee Break
09.00
REFRESHER OF CREDIT ANALYSIS APPROACH
Stages in Credit Risk
Importance of Credit Analysis in Credit Risk
Principles of Credit Analysis
RIOTARS credit analysis process
09.45
LENDING PROCESS
The various steps involved in loan appraisal
Components of an Institution’s lending policy
Loan documentation
Loan pricing – RAROC and profitability analysis
approaches
Basel regulations related to lending
Target Audience
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10.30 Morning Coffee Break
Staff within a credit department contributing at
various stages during the credit analysis process
Staff involved in providing support functions in a
bank’s credit department
Employees involved through support and/or
decision-making process of authorising credit
10.45
FINANCIAL STATEMENTS ANALYSIS
Ratio analysis including key areas around: liquidity,
profitability, safety and market ratios applied to a
business case, which will form the basis of the day’s
study
Time series and comparative analysis
Cash Flow statements and how to interpret cash flows
for decision-making
13.00 Light Lunch
14.00
NON-FINANCIAL ANALYSIS
Economy, Industry and Company Framework
Models for non-financial analysis
Case Study applied on the company to these models
15.00
ASSET CLASSIFICATION AND
LOAN LOSS PROVISIONING
Need for asset quality assessment
Quantitative and qualitative review of asset quality
Categories of asset classification
Loan classification practices in various countries
15.30 Afternoon Coffee Break
15.45
PROBLEM LOANS
Non-performing loans
Methods of resolving non-performing loans
How to prevent non-performing loans
Case Study on previously analysed company assuming
passage of time and deterioration in underlying business
Speaker
Simon Ling-Locke
Simon is a highly accomplished independent risk and credit professional,
consultant, trainer and board member. He holds experiences across a wide
range of financial products with technical expertise and frontline exposure in
negotiating cross-border financial restructurings and workouts.
The following are some of his STRENGHTS / HIGHLIGHTS:
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Holds an MBA, Fellow of the Chartered Institute of Bankers (UK),
Member of the Turnaround Management Association (UK)
Non-Executive Board Member and Treasurer roles
Experiences:
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Highly experienced presenting to Credit Committees on complex
leverage and corporate transactions, analysed and led European
distressed debt situations
Cross border expertise of current European insolvency laws.
Significant experience of deals with complex and structured
documentation
Strong analytical mind with extensive credit experience (individual
credit proposals of up to $ 100 million), over corporate and leverage
transactions in UK and EMEA
Excellent technical knowledge and presentation skills. Developed a
distressed debt/restructuring course for a major professional training
organisation. Guest speaker and part-time lecturer on various MBA
courses (Modules: company valuation techniques, strategy, credit
analysis, accounting strategy)
Initiated secondary loan trading at the inception of the European
market in 1990 resulting in 5% reduction of risk assets for the banks
London operation
Extensive contacts across the European syndicated loan market
including secondary and distressed traders
Consultancy activities including running Academic Affairs at a college
and successfully managing its REO with the QAA.
Associate Lecturer
Open University Business School (1999 - )
Owner
Ling-Locke Consultancy (2000 - )
Director, Head of Credit Risk
Reward Limited (2008 - )
Independent Trainer
Minerva Training Associates Ltd (2008 - )
Finance Lecturer
European School of Economics (2008 - )
Senior Lecturer
ifs University College (2008 - )
Board Member & Treasurer
Southend YMCA (2010 - )
Assistant General Manager
UFJ Bank (2002 - 2005)
Head of Business Development
Tokai Bank (1985 - 2002)
Relationship Manager
Barclays Bank (1979 - 1985)
CREDIT ANALYSIS: FOR BANKING AND LENDING PRACTITIONERS – Registration Form
Registration & Payment Methods
Call to reserve a seat on:
+356 20933210
Write a cheque payment to:
Castille Staffing Limited
Castille Institute
Casa Leone, Pjazza Robert Sammut
Floriana FRN 1200
Complete, scan and e-mail to:
rsultana@castilleresources.com
Bank Transfer in Euro Denomination:
HSBC Bank A/C – Castille Staffing Ltd
IBAN: MT64 MMEB 4433 6000 0000 3330 7133 001
Swift: MMEB
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Fee, Terms & Conditions
Registration Fee: Eur 280 per participant
The registration fee includes participation to the course, coffee break/s, lunch and documentation material, which will be distributed at the beginning
of the event. All bookings are considered binding on receipt of the booking form. An Invoice will be sent upon receipt of registration form. Please note
that payment must be received prior to start of the training session. If you do not settle payment prior to the commencement day your participation
cannot be guaranteed. We therefore consider that by signing this form you commit to settling your payment before the commencement date.
Cancellation – Cancellations made within five (5) working days prior to commencement date of each course will not be accepted and the fees will not
be refunded. Substitutions are welcome at any time without any additional charge.
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cancel the programme in its entirety due to unforeseen circumstances without penalty. You agree not to copy the training material without our
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and understood these terms and conditions before signing this registration form.
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