đź’° FINANCE & ANALYSIS TRAINING PROGRAMS
COMPREHENSIVE FINANCIAL EDUCATION SUITE
8 Professional Training Programs for Financial Excellence
Focus Areas: Financial Analysis • Credit Management • Cash Flow • Modeling • Corporate Finance • Risk Assessment
INTRODUCTION
In today’s dynamic financial landscape, effective credit analysis and lending decisions are crucial for maintaining healthy portfolios and sustainable business growth. This comprehensive training program is designed to equip participants with fundamental credit principles and practical analytical skills required for sound lending practices. The program combines theoretical knowledge with hands-on application through case studies and real-world scenarios, ensuring participants can immediately apply their learning in their professional roles. By integrating environmental analysis, financial ratio computation, and risk management tools, this program provides a holistic approach to credit decision-making that protects institutional interests while supporting legitimate business growth.
PROGRAMME OBJECTIVE
Upon successful completion of this training, participants will be able to distinguish between various lending situations and scenarios while understanding the specific credit analysis requirements for each. They will develop competency in analyzing market trends and dynamics to anticipate changes and adapt lending strategies accordingly. Participants will master the application of analytical skills for business loans using financial ratio analysis and gain comprehensive understanding of lending risk nature along with exposure to credit risk management tools. The program also emphasizes practical application through workshops that critically analyze case studies on basic credit analysis and lending situations, ensuring participants can apply ethical considerations in all lending decisions.
MODULE 1: TYPES OF LENDING SITUATIONS
- Retail lending products and their specific characteristics
- Business loans and commercial lending structures
- Asset financing mechanisms and applications
- Project financing frameworks and requirements
- Trade financing instruments and processes
- Industry-specific loan considerations and requirements
- Government agency lending protocols and procedures
- Regulatory compliance requirements for different lending types
MODULE 2: UNDERSTANDING MARKET TRENDS
- Implications of key market trends including proposed BNM OPR amendments
- Impact factors for various industries based on current market conditions
- Environmental mapping using Harvey Gill template methodology
- Economic indicators and their influence on lending decisions
- Regulatory changes and compliance requirements assessment
- Global economic factors affecting local lending markets
- Technology disruption impacts on traditional lending
- ESG considerations in modern lending practices
MODULE 3: KEY FINANCIAL RATIOS FOR CREDIT ANALYSIS
- Establishing the ten most relevant ratios for lending and credit analysis
- Profitability ratios and their interpretation in credit contexts
- Liquidity ratios and working capital assessment methodologies
- Leverage ratios and debt capacity evaluation techniques
- Efficiency ratios and operational performance indicators
- Coverage ratios and debt servicing capability assessment
- Application to real case studies and financial statements
- Industry-specific ratio benchmarking and analysis
MODULE 4: FINANCIAL ANALYSIS REPORTING
- Profitability factors analysis and interpretation frameworks
- Liquidity and working capital factors comprehensive assessment
- Gearing and repayment capacity factors detailed evaluation
- Integration of ratio analysis into comprehensive credit reports
- Documentation standards and presentation techniques
- Narrative analysis and qualitative factor integration
- Executive summary preparation for senior management
- Recommendation formulation and risk rating assignment
MODULE 5: CREDIT ANALYSIS REPORT ELEMENTS
- Identification and structuring of appropriate credit facilities
- Determining and articulating clear credit rationale
- Findings documentation from comprehensive financial analysis
- Second way out strategies and collateral support evaluation
- Risk mitigation strategies development and implementation
- Basic loan pricing and margin considerations
- Terms and conditions structuring for risk mitigation
- Monitoring and review requirements establishment
MODULE 6: THE 5CS OF CREDIT FRAMEWORK
- Character assessment and verification methodologies
- Capacity evaluation through comprehensive financial analysis
- Capital adequacy and ownership structure detailed review
- Conditions analysis including market and economic factors
- Collateral evaluation and second way out determination
- Practical application through comprehensive case scenario analysis
- Integration of 5Cs framework with modern risk assessment
- Digital verification tools and their application in character assessment
MODULE 7: CREDIT ANALYSIS REPORT PRESENTATION
- Comprehensive report structure based on credit reporting elements
- “WeiJi” risk assessment methodology and practical application
- Group-based discussion and collaborative analysis techniques
- Presentation skills for credit recommendations to committees
- Stakeholder communication strategies and techniques
- Visual presentation tools and data visualization
- Q&A handling and challenging questions management
- Follow-up procedures and implementation tracking
MODULE 8: ETHICAL CONSIDERATIONS IN LENDING
- Identifying and contextualizing potential breaches of ethics
- Analyzing specific events that can lead to ESG compliance issues
- Planning appropriate response strategies under different scenarios
- Regulatory compliance and ethical decision-making frameworks
- Case studies on ethical dilemmas in credit analysis
- Responsible lending practices and consumer protection
- Anti-money laundering considerations in credit decisions
- Sustainable finance and green lending principles
METHODOLOGY
- Case Studies: Real-world scenarios and actual lending situations for practical learning
- Hands-on Workshop Sessions: Interactive exercises and group activities
- Real-life Examples: Multiple applications of strategy tools and models from various industries
- Excel Templates: Comprehensive financial analysis templates for immediate use
- Group Discussions: Collaborative learning and peer knowledge sharing
- Presentation Exercises: Skills development in communicating credit analysis findings
TARGET AUDIENCE
This program is suitable for:
- Credit analysts and loan officers at all levels
- Branch managers and relationship managers
- Risk management professionals in financial institutions
- Banking supervisors and team leaders
- Financial professionals transitioning to credit roles
- Anyone involved in lending decision-making processes
- Regulatory and compliance professionals
- Internal auditors focusing on credit processes
Programme Schedule in HDRF Format:
| Time | Day One | Day Two |
|---|---|---|
| 0900 | Module 1: Types of Lending Situations | Module 5: Credit Analysis Report Elements |
| 1030 | Coffee Break | |
| 1050 | Module 2: Understanding Market Trends | Module 6: The 5Cs of Credit Framework |
| 1300 | Lunch Break | |
| 1400 | Module 3: Key Financial Ratios for Credit Analysis | Module 7: Credit Analysis Report Presentation |
| 1530 | Tea Break | |
| 1550 | Module 4: Financial Analysis Reporting | Module 8: Ethical Considerations in Lending |
| 1700 | End of Session | |
INTRODUCTION
This comprehensive professional certification program represents the pinnacle of corporate finance education, designed specifically for Securities Commission Malaysia. The curriculum encompasses four intensive modules that progressively build expertise from fundamental financial analysis to advanced corporate finance analytics. Participants will master essential skills in financial analysis, corporate strategy integration with risk management, sophisticated financial modeling applications, and advanced analytics for comprehensive corporate finance decision-making. The program combines theoretical knowledge with practical application, ensuring participants can immediately implement learned concepts in their professional roles within the securities and corporate finance industry.
PROGRAMME OBJECTIVE
Upon successful completion of this comprehensive curriculum, participants will possess advanced competencies in financial analysis of submissions, enabling them to conduct broad environmental analysis and scan for key financial parameters. They will develop expertise in analysis of submissions from a strategic corporate finance point of view, including determining workable operational strategies and evaluating risk management capabilities. Participants will master analysis of submissions with intelligent use of customized financial models, building comprehensive templates for complete financial and stress analysis. Finally, they will achieve competency in application of corporate finance tools to create holistic views of corporate exercises, including comprehensive dashboard creation, fair value computation, and 360-degree evaluation approaches to protect and maintain shareholder value.
MODULE 1: FINANCIAL ANALYSIS (3 Days)
Day 1: Environmental Analysis and Business Profiling
- Pre-test assessment and opening discussion on financial criteria
- Environmental analysis and identification of key economic drivers
- Business profiling and key financial information extraction
- Financing policies and strategies from Balance Sheet analysis
- Cost structures and margins from Income Statement evaluation
- Environmental mapping application to specific companies
- Excel template setup for comprehensive Financial Analysis
Day 2: Cash Flow Analysis and Financial Ratios
- Level of cash reserves and working capital linkage
- Cash flows connection to Annual Report events
- Measuring rate of profit generation (Gross, Operating, Net Returns)
- Measuring liquidity potential and cash buffer analysis
- Corporate finance and gearing ratio analysis
- Interest cover range calculations and EBITDA analysis
- Core ratios application to selected companies
- Excel template completion for financial analysis
Day 3: Advanced Analysis and Evaluation
- Information gaps in Annual Reports identification
- Leverage Analysis Model and sensitivity of business volume
- Evaluation of profit forecasts in submissions
- Six core data requirements for business volume sensitivity
- Complete toolset application for financial analysis
- Financial Health Analysis presentations
- Post Module Assessment and certification
Programme Schedule Overview:
| Module | Duration | Focus Area | Key Deliverables |
|---|---|---|---|
| Module 1 | 3 Days | Financial Analysis | Excel Templates, Analysis Framework |
| Module 2 | 3 Days | Corporate Strategy & Risk | Risk Assessment Models, SWOT Analysis |
| Module 3 | 3 Days | Financial Modeling | Custom Models, Automated Analysis |
| Module 4 | 3 Days | Advanced Analytics | Valuation Models, Dashboard Creation |
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