This program is designed to strengthen participants' ability to make informed and commercially sound credit decisions through a structured and practical approach to credit assessment. Participants will develop a comprehensive understanding of risk across various business lines and financial products, analyze financial statements, and assess the creditworthiness of borrowing entities using qualitative and quantitative techniques.
The program further focuses on evaluating company performance, identifying key value drivers and credit risks, analyzing cash flows to determine debt servicing capacity, and structuring credit facilities that balance borrower requirements with the lender's risk appetite and profitability objectives. Participants will also enhance their client engagement and credit discussion skills to support sustainable credit growth, deepen client relationships, and maximize portfolio profitability.
Differentiate themselves in the eyes of the client by identifying and demonstrating clear value-added actions, responding effectively to client requests, and setting the right context for credit discussions.
Earn the position of a primary banker by developing deep client insight, conducting strategic-level client conversations, aligning client objectives with bank solutions, and applying client prioritization frameworks to improve conversion ratios.
Manage a portfolio of client relationships effectively by performing due diligence, mitigating risk, optimizing revenue, and ensuring relationship sustainability, while understanding Basel regulation , capital efficiency, and risk–return balancing at both client and portfolio levels (RAROC).
Adopt a competitive, partnership-oriented mindset by transitioning from a lender/vendor role to that of a strategic partner, elevating client dialogue to a strategic level, and applying negotiation and deal-structuring techniques in competitive markets.
Prepare and present credit proposals confidently to internal stakeholders, negotiate key terms and covenants with clients, and align credit structures with risk and return expectations.
Articulate and justify credit recommendations by clearly demonstrating the business rationale for extending credit and positioning the bank’s value proposition through structured group-based analysis.
Act as a single point of contact (SPOC) for client requirements, managing loan documentation, disbursements, and post-disbursement follow-ups, while maintaining asset quality under the ECL framework.