CERTIFIED MASTER IN STRATEGIC CREDIT MANAGEMENT

COURSE DURATION 1-2 WEEKS | ELIGIBILITY : MID & SENIOR LEVEL | LOCATION : DUBAI – LONDON – MIAMI |

Course introduction

The course is designed to develop the skills and knowledge of business managers in managing credit portfolios and ascertaining acceptable credit risk, by introducing basic analytical techniques and tools and essential credit risk analysis methodology. Participants will also acquire knowledge in effective debt management in perfecting credit risk management.

This course helps to enable participants to understand the strategic concepts in credit management and analysis.

Learn to apply practical credit evaluation techniques to mitigate risks for various companies (case studies can also be done for specific industries participants are working in).

Course Benefits

After attending this workshop, participants will be able to:

Deal with delaying or non-payment excuses and reduce credit exposure of difficult customers effectively
Collect from financially distressed debtors
Grasp the importance of strategic importance of credit collection management and commercial/business awareness
Master the art of collecting debts through phone and the three phases of collection call
Successfully implement a proactive and practical credit management and debt recovery strategies to address delay/non payments
Better understand different methods of collection (including negotiation) on debts
Lay groundwork to make collection efforts produce better results
Comprehend the legal perspective in debt collections and maximizing debt recovery through ligation procedures
Write effective letters, faxes and emails that are shorter, clearer and deliver desired results
Make the right decisions in credit collection and increase your organization’s Return on Investment (ROI)
Use different debt collection techniques to different situations designed specifically for your customers
Learn the techniques of conducting effective credit analysis
Understand the sources and reasons for financing
Understand the Cash Conversion Cycle, Asset Quality and Liabilities
Learn to examine financial statements and perform forensic investigation on unaudited financial statements
Understand Cashflow Analysis and apply methods of cashflow preparation
Apply Financial Ratios (Profitability, Solvency, Liquidity, Asset Management Ratios) to assess a company’s financial position
Understand Business Failures
Develop sound credit principles

Training Schedule

Weekdays Batch (Monday to Friday):

Weekend Batch (Saturday & Sunday):

Learning & Assessment:

Who Should Attend ?

This course is ideal for:

This workshop is for executives involved or responsible in formulating, enforcing and implementing credit policies, and debt collection
Collection Officers
Sales & Marketing Executives
Credit Officers & Analyst
Business Owners and Operations
Customer service and Relationship managers

Course Outline (Topics Covered)

MODULE 1

DESIGNING POLICIES & EXPOSURE ANALYSIS

Four schools of thoughts
What is your mission and goal?
Who has specific responsibilities?
How is your credit assessment and collection handled?
What are your terms of sales?
Insuring your sales, bad debts insurance program

OVERVIEW ON LENDING PROCESS

Principles of good lending
Essential components of a credit proposal

CREDIT EVALUATION FRAMEWORK

Components of credit risks
Quantification of credit risks
Qualitative factors (External factors, Borrower’s risks, Borrowing entity)

SETTING CREDIT LIMITS

Credit limit setting
Secured vs unsecured

MODULE 2

ROBUST CREDIT MANAGEMENT SYSTEM

Actual in-use credit scoring samples will be given
Viewing of an actual sample of credit management system being used
Assessing the creditworthiness of individuals
Evaluating corporate risks sole proprietorship/partnership, Pte Ltd companies etc.
Credit information & investigation techniques

UNDERSTANDING FINANCIAL STATEMENTS

Key accounting concepts
Core financial statements

FINANCIAL ANALYSIS & DRIVERS

Profitability analysis
Cash flow analysis
Debt service analysis
Liquidity & leverage analysis
Funding structures
Financial projections

EARLY DISTRESS SIGNALS

Forecasting financial distress
Early actions

MODULE 3

EFFECTIVE COLLECTION SYSTEM AND PROCEDURES

Priorities in collection
Collection routine
Collection letters – types, reminders, effectiveness
Collection calls – telephone, personal visit
Use of collection agencies – insights into their methods – DIY
Practical pointers for effective collection
Identifying potential delinquent accounts
Sizing the problem
Reaching for a compromise
Practical issues

CREDIT RATING

Internal vs. external rating
Categories of credit risk models

LOAN MONITORING & MANAGEMENT

Loan classification
Customer review
Early warning signs

MODULE 4

DELAYING TACTICS & DIFFICULT CUSTOMERS

Types of debtor profile
‘Tell-tale’ signs
Types of delinquent debtors
Types of delaying tactics often employed

DOUBTFUL & BAD DEBT MANAGEMENT

Provision of doubtful debts
Call on securities
Payment restructuring
Pursuing legal remedies
Bad debt write offs

CREDIT TERMS AND CONDITION OF SALES

Use of credit to gain competitive edge
Risks associated with credits

EVALUATION CREDIT QUALITY

Key financial ratios
Quality credit management
Qualitative factors

Certifications

Registration Documents

To register, participants must provide:

Contact Info

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About Us

Kings Global Career Academy is a premier training institute offering globally recognized certification programs in finance, leadership, risk management, diplomacy, and more. We empower professionals with the skills needed to thrive in today’s competitive world.

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