How Banks Structure & Approve Application For Loans
Course Information
  • 09-Dec-2019
  • Royale Chulan Hotel, Seremban
  • Agee Lee
  • English
  • RM 740 RM 600
    Until 15 Nov 2019
(A) Introduction
Logically, there should be no problem obtaining funds from a bank, if only the customer has sensible proposition.

Unfortunately, this is true only as long as the communication between the banker and the customer allows information to be imparted in a form which is understood by them both so that the risks and rewards of the proposal are clearly identified and can be evaluated easily. Whenever there is a loss of clarity in a proposal there is the risk of misinterpretation and uncertainty. The banker’s task is to assess propositions and decide whether they conform to his institution’s appetite for risk and reward.

Many Businessmen, Accountants and Managers have to be aware of the banks’ comprehensive risk management policies and processes that effectively identify, measure, monitor and control their CREDIT risks exposures. Now, the banks will have at the onset determine and restrict their credit exposures to the different types of borrowers and different kinds of banking facilities that will likely affect their capital adequacy ratios.

From experience, it was found that these people usually failed to put their ideas, plans and targets convincingly when they meet bankers to seek for banking facilities.

(B) Course Objective
• Learn the actual case situations commonly encountered by the banks that will reflect their policies
• Learn the application of the business tools preferably used by the bankers to process and approve your application for loans
• Learn to gain the pride of running your business by mapping out your business model, together with your financial plan
• Learn to find the ways that you, as a borrower, may want to convince the bankers to achieve your goals,
• Learn that bank will often choose their preferred customers and selected types of banking products to market
• Learn to avoid the irascible manners of some bank officers in handling your proposition
• Learn to help your bank and its officers to feel comfortable and confident to do banking business with you

(C) Who Should Attend
• Credit Officers, Executives, Senior Executives and Managers must able at all times to easily adhere to terms of these facilities
• Accountants, Financial Controllers and General Managers must plan and understand the idiosyncrasies of bankers to get what’s they want
• CFO, COO, CEO, Directors and Businessmen must quickly assure bankers that they are steadfastly driving the business

(D) Highlights of Coaching
• A Participative Approach
• Introduce “SUM-IT-ALL” Plans
• Real & Exciting Case Studies
• A PROGRESS REVIEWING, a simulated PPTs, for referencing using smart phone
• Q & A

(E) Date/Venue

Date: 9 DECEMBER 2019 (MON)
Time: 9AM - 5PM
Venue: Royale Chulan Hotel, Seremban

(F) Fees

Early Bird Offer (before 15 Nov 2019) - RM600
Special Offer (before 29 Nov 2019) - RM670
Normal Fee - RM740

* Fee includes course Notes, Lunch, Refreshments/ Tea Breaks, * Certificate of Attendance & 6% Government Service Tax

DISCOUNT
(i) 10% Overriding Discount for SST2u Loyalty Card members

(G) Course Features

MORNING
Woes of Customer & Idiosyncrasies of Banker
• Pointers to remember
• Advices from a practitioner
• A classic case of facilities approved
• Banks selective about lending

Understand & review Financial Statements
• Understand financial statements
• Income statement and reviewing profit & loss
• Assessing balance sheet & Net worth
• Income statement
• CASE STUDY

Use Current Account Statement to gauge performance of company
• Current account statement
• Conduct of current account
• CASE STUDY

Learn Capital Decision Making Process to maximize returns
• Du-pont System, measurement of profitability
• CASE STUDY

Justify needs for Working Capital Requirements
• Purposes of loan proposal
• Loan structuring and process of structuring
• Asset conversion cycle
• Net working capital requirements and Cost of trade discount
• Capital over times
• How to approach bank
• CASE STUDY

AFTERNOON
Interpret Financial Data of a financial statement
• Introduce a Case Exercise
• Cash flow budget

Appreciate views of Credit Manager supporting application
• Application requested
• Key credit issues & mitigating factors
• Financial analysis
• Business center’s comments / recommendation

Understand Letter of Offer before signing acceptance of terms
• Content of letter of offer

Scrutinize terms & conditions of any Loan Agreement
• Salient provisions of agreement

Interpret Debt Service Ratio often sought by banks
• Cash flow method - indirect format
• Projected cash profit method
• Interpretations of debt servicing ratio

Questions & Answers Session

(H) About Speaker

Agee Lee
- CONSULTANT/ EXPERIENCED EX-BANKER

Agee Lee has more than 22 years of experience in the commercial banking in Malaysia and has worked in Malayan Banking Berhad and seconded to Kwong Yik Bank Berhad in 1980 to set up a Legal Documentation Department.

He started as a trainee officer moving up to Branch Manager, Loan Manager managing Corporate and Commercial Loans and finally as Head of Loan Recovery Division bringing down NPLs to RM65m from RM800m. He also worked in a property development company, then constructing a condominium and Nilai 3, for 2 years, and involved in a manufacturing company before working for 2 years in a construction company, executing federal contracts on roads, schools and colleges, in Kota Kinabalu, Sabah.

Besides marketing and approving the commercial loans, he was instrumental in setting up the Loan Recovery Section supervising about RM1.9b NPLs and was involved in structuring loans and lecturing modules on debt collecting and legal documentation on securities for 13 years. His last appointment was with Hong Leong Bank Berhad in 2003/4 as Head of Remedial Management Department.

Agee Lee holds Honours Degree in Economics (major in Business Administration) from Universiti Malaya, Associate of Institute of Bankers (London), Diploma in Marketing Management (NPC) and Certificate in Financial Planning (MII).

He is now a Training Consultant for IBBM, MIA and Banks in Malaysia, Singapore and Vietnam. Currently he has been giving talks on practical topics that will boost skills and confidence of participants.

(I) Register/Contact

Email: sstcourse@gmail.com
Contact:
General (03 - 8082 3357)
Teo (011 - 3178 9203)
Logesh (012 - 503 0346)
Siti (012 - 383 8603)