Corporate Risk Evaluation

Accounting and Finance

PI ETA Consulting Company
* Evaluate non-financial information relating to and affecting the borrower.
* Using various non-financial models to identify business risks.
* Understand the basic types of legal structure of a business entity.
* Analyse the borrowera ™s financial statements (i. e. balance sheets, income statement and cash flow statement).
* Calculate and interpret financial ratios.
* Perform trend analysis on historical financial statements over a period of time.
* Use various financial models to predict corporate distress.
* Identify critical risks and their mitigating factors.
* Understand how a credit rating model works.
* Learn how to risk rate borrowers.
Seminar Facilitator(s):
Mr. Adam K. K. Wong
B. Acc, FCPA, Certified Professional Trainer
This is primarily ilt training
workshop / seminarThis is a workshop seminar
group study and discussionThis class may involve group study
instructor led trainingThis class may be available at a classroom in Singapore, Singapore, or at one of these training facilities: Singapore, Singapore,
Course Level:introductory
Duration:3 days
Training Presented in:English
Training Provided by PI ETA Consulting Company

Corporate Risk Evaluation Seminar Schedule

January, 2018
16th Jan   Concorde Hotel, Singapore (Orchard Road)   [Register]
July, 2018
10th Jul   Concorde Hotel, Singapore (Orchard Road)   [Register]
Corporate Risk Evaluation
Comments from past participants:
"Attending the Seminar has been an enriching experience for me as it provided a different perspective to corporate risk, and has helped to sharpen my credit analysis skills by thinking effectively and focusing on the hidden pitfalls in a credit evaluation."
Ms. Nancy Foong Poh Yoke, PT Bank Mandiri (Persero) Tbk, Singapore.
Class of March 2008
"Besides the theoretical and applied knowledge I gained from the Seminar, what I found most refreshingly and useful
was Adam's generous sharing of his wealth of experiences from his many years as a banker. For budding bankers,
these practical insights are invaluable."
Mr. Alvin Eng Han Wen, Monetary Authority of Singapore, Singapore.
Class of March 2009
"I have a clearer concept in my mind when doing credit evaluation after the seminar."
Mr. Gary Liaw Szu Kang, Hong Leong Finance Limited, Singapore.
Class of March 2010
"I found the Corporate Risk Evaluation seminar really useful and easy to understand. There were many examples to illustrate what to look out for using simple to understand ratios. It also highlighted the importance of extracting key messages from the Financial Report. Through this awareness one can then make a judgement call on the company s current and/ or future financial situation. This course is applicable to anyone who is keen in knowing a company s financial health or performance."
Ms. Alice Low, Individual, Singapore.
Class of July 2010
"The Corporate Risk Evaluation seminar provided me with the wider perspective on how bankers evaluate the financial performance and health of a company, in terms of funding. From another view as an investor, I can also use the knowledge gained to study a listed company's financial ratios before investing in them. Last but not least, it also provided me another tool for decision making as an entrepreneur. Well done "
Mr. Vincent Ow-yeong, Icontek & Marketing, Singapore.
Class of July 2010
"I found the Corporate Risk Evaluation seminar very interesting With the class exercises, I managed to grasp the concepts better. In addition, Adam also highlighted certain issues that we should pay attention to while creating the spreadsheet, which I think is fantastic. After this seminar, I have gained new insights and understand the need for analyzing the figures."
Ms. Ng Qi, Individual, Singapore.
Class of September 2010
Seminar Background
An intensive and practical training on corporate risk evaluation and lending risk mitigation. Loans are the most important assets in a bank's portfolio; sound corporate risk evaluation is the key to making high-quality loans and managing credit risk. The ability to use information to mitigate credit risk can mean the difference between good loan credits and frequent restructurings and defaults.
Seminar Content
* Credit Process
* Understanding the Concept of Credit Risks
* Risk Evaluation Tools
- Credit Evaluation Framework
# Purpose
# Amount
# Sources of Repayment
# Business Viability
Economic and Industry Factors
Track Record
Operational Efficiency
Management Assessment
- Porter s 5 Forces
- BCG Matrix
- PESTLE Analysis
* Risks of a Company in the Various Stages of Growth of a Business
- Understanding the Characteristics and Risks of Each Stage of Growth
- Bank s Involvement in the Various Stages
- Stages that Banks Avoid
* Types of Legal Structure of a Business Entity
- Sole Proprietorship
- Partnership
- Co-operative
- Incorporated Company
* Selecting the Right Borrowing Entity
* Risks of Different Businesses
- Manufacture
- Wholesale
- Retail
- Service
* Operating Cycle and How it affects Cashflow
* Project Risk Analysis
- Types of Risk
- Mitigating Factors
* Quantitative Analysis
- General Methodology
- Earnings Capacity Analysis
# Profitability Indicators
# Interest Coverage Indicators
# Debt Services vs. Debt Capacity
- Financial Health Analysis
# Leverage Indicators
# Liquidity Indicators
# Working Capital Efficiency Indicators
# Operating Efficiency Indicators
# Shareholders / Investors Return Indicators
# Coverage Ratios
- Use and Limitation of Ratio Analysis
- Limitation of Financial Statements
- Creative Accounting
* Cash Flow Analysis
- Sources and Application of Cash
- Cash Flow Measures
# Operating Cash Flow
# Net Operating Cash Flow
- Application of Cash Flow Statements
* Relationship between Various Financial Statements
- Profit and Loss
- Balance Sheet
- Cash Flow Statement
* Financial Projections
- Constructing a Projected Profit and Loss Statement
- Constructing a Projecting Cash Flows
# Business Plan
# Past Performance / Ratios
# Selecting Key Variables
# Sensitivity Analysis
# Sensitivity Tables
- Constructing a Projected Balance Sheet
* SWOT Analysis
* Financial Distress Predictor Models
- Z Score
- Fulmer Score
- CA Score
- Springate Score
- A Score
* Quantification of Credit Risks
- Default Probability
- Recovery Rate
- Credit Exposure
* Determinants of Expected Loss
- Obligor Risk Rating
- Transaction Risk Rating
* A sample credit rating model
Benefits of Attendance
Upon completion of this programme, participants will:
* Know the reasons why corporations borrow
* Recognize the different types of loans
* Be able to evaluate corporate lending risk with a structured evaluation framework
* Learn to perform independent financial and non-financial analysis
* Understand the different types of ratios used for credit analysis
* Recognize industry metrics used to analyze performance and trends
* Learn to prepare financial forecasts or projections
* Understand how credit risk ratings are assigned to the individual borrowers
* Understand what is ORR and FRR
Who should attend?
Credit and financial analysts, portfolio managers, credit officers, corporate bankers, commercial bankers, risk managers and analysts.
About The Training Provider: PI ETA Consulting Company
PI ETA Consulting Company - "Risk Management in any organization is everyone's business, not just the CEO, CFO and the CRO's " - Dr. Jeffrey C. K. Lim Ph. D., C. Sci., C. Math., FIMA, FRM, PRM, B. Fel. PI ETA Consulting Company is a Treasury and Risk Management Consulting Company * Back-to-basics Seminars * Consulting Services * In-house Software Systems
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