Credit Operations for Commercial/SME Banking in Digital Era	

Bankers for the lending/credit segment are required to have knowledge regarding the credit process, roles and responsibilities in the credit process, type of credit facilities, preparation of comprehensive credit proposal with the analysis of risks and mitigants, and loan monitoring as well.

The skills are required to provide proper credit facilities to borrowers with measurable risks and mitigants and are supported by a comprehensive loan performance monitoring scheme.

In addition, digital transformation for the credit process will be needed to offer significant advantages to Banks and Customers/borrowers. For Banks, the successful transformation could enhance revenue growth, achieve significant cost savings, and speed up the credit process. 

After completion of this program, participants will be better able to:
* Understand the workflow of the credit process, loan monitoring, and loan restructuring.
* Prepare comprehensive credit proposals and loan monitoring reports.  
* Identify the risks and mitigants that are exposed in every credit process. 
* Decision strategy for loan provision.
* Conduct comprehensive loan monitoring

Certificate of completion (supplied by PasarTrainer)

Training Material

A multiple-choice test to assess the participants' proficiency level prior to enrolling in the training program.


Pre-Test (20 Questions - Closed Book)

* The understanding regarding the whole credit process in Commercial/SME Banking in the digital era
* Type of Credit Facilities
* Type of Business
* Roles and Responsibilities of Relationship Manager, Credit Analyst, Credit Reviewer, and Credit Operation

This module explains an overview of the Credit Processes in the digital era.

Module 1: Commercial/SME Banking Credit Process in Digital Era

* Digital transformation of end-to-end credit process to speed up the average "time to decision" and "average time to cash"
* Challenges related  to the implementation of digital transformation

This module explains the overview of the Credit Process in the digital era and the digital transformation of the end-to-end credit process.

Module 2: Digital Transformation of end-to-end credit process, including customer experience and supporting credit process

* Group exercise: Identify the credit process and appoint the roles related to the credit process. Case study related to digital transformation for credit process
* Debriefing: Group discussion

A group exercise (case study) where participants are asked to observe and identify the credit process, appointed the roles related to the credit process, and a case study related to digital transformation for the credit process.

Case Study 1

* How to prepare a comprehensive credit proposal
* Digital tools to support the credit proposal
* Identify and analyze the risks and mitigants

This module explains an overview of how to prepare a comprehensive credit proposal and identify the risk and mitigants of every borrower that requests credit facilities/loans.

Module 3: Comprehensive Credit Proposal in Digital Era; Analysis of Risks and Mitigates

* Group exercise: Prepare a comprehensive credit proposal
* Presentation: Group discussion for credit proposal and identify and analyze the risks and mitigants

A group role play or exercise (case study) where participants are asked to prepare a credit proposal from the case study (Credit/ loan provision for Borrower).

 Case Study 2

* Basic financial statement analysis
* Rationale of spreadsheet
* Credit Decision Strategy

This module explains basic information for financial analysis and credit decision strategy in correlation with a comprehensive credit proposal, analysis of risk, mitigants, and financial analysis.

Module 4: Financial Analysis, Credit Decision Strategy

A group role play or exercise (case study) where participants are asked for financial analysis and credit decision strategy (which is also related to a case study in module 2).

Presentation : Group discussion for financial analysis and Credit Decision Strategy on Credit Proposal Presentation

* Loan monitoring scheme
* Loan restructuring scheme

This module explains an overview of the implementation of loan monitoring and loan restructuring schemes.

Module 5: Loan Monitoring and Loan Restructuring

A multiple-choice test to assess the participants' proficiency level after enrolling in the training program.