CREDIT ADMINISTRATION AND MANAGEMENT (CAM)
Credit risk modeling is becoming an increasingly important requirement for banks, especially in light of recent global credit problems. Although there is no universal model or provider, there are guidelines and accepted procedures. Basel III will be recommending improvements to the framework laid out in Basel II.
OBJECTIVES:
This Program will help participants to:
v List different approaches to modeling credit risk and how these models apply to credit risk management.
v Calculate portfolio credit risk using data inputs and different models.
CONTENTS:
v Credit risk model – measuring and managing
v Credit management process
v Basle III
v Probability of Default (PD)
v Loss given default (LGD)
v Exposure at default (EAD)
v Challenges for modellers, no universal provider
v Credit grading- data inputs
v Correlations
v Traditional approaches to Probability of default
v Modern approach to Probability of defaults – option theory
v Moodys KMV, S&P. Altman Z score, Logit analysis
v Stochastic process
v Risk Metrics
v Empirical performance
v Structural models – reduced form
v Risk neutral pricing
v Determinants of credit spreads
v Portfolio modeling – default mode modeling, credit diversification
v Mark to market modeling
v Conditional & unconditional models – economic cycles
Methods:
Lectures-discussions, exercises & case studies
Target audience:
Credit department staff & any bankers involved in credit risk activities.
Language:
The program will be conducted in English
Duration:
24 training hours, 4 days, morning and afternoon sessions.
This program will equip participants with the necessary analytical skills and techniques needed to screen new lending opportunities, analyze risks and structures.
Objectives
After attending this Program participants will be able to:
§ Appreciate what to look for when assessing financial statements, for better credit decisions
§ Understand the relationship between financial and non-financial factors in the credit analysis process
§ Identify and evaluate key financial performance indicators
§
Get behind the numbers to analyze the causes of an outlook for financial performance
Contents
§ Overview of Credit Analysis:
- The Five Cs of Credit
- Types of Financing
- Assets Conversion Cycle
- Overview of Credit Facilities
§ Financial Statements Overview:
- Purpose of Financial Statements
- Balance Sheet Structure
- Income Statement
§ Financial statements Analysis:
- Ratios
- Profitability
- Liquidity
- Activity & Efficiency
- Financial Leverage & Capital Structure
§ Cash flow Analysis:
- Structure of The Cash Flow Statements
- Cash Flows from Operating, Investing & Financing Activities
§ Problem Financing & Early warning signs
§ Non Financial Statements Analysis:
- Business Risk
- SWOT Analysis
- PEST Analysis
- Management Assessment
- Competitor Analysis
Pre-requisite
Have understanding of basic accounting principles and concepts and interpretation of financial statements
TARGET AUDIENCE:
Bank staff involved in Financial Statement Analysis, Junior Credit Officers, and Corporate Credit Department Staff
Methods
Lectures, discussions, and cases studies
Language
The program material and lectures will be provided in Arabic.
Duration
The Program will be conducted for 6.5 weeks (Twice weekly). Sessions will be held from 5.00pm – 8.00pm plus fifteen minutes break, and two hours for the final exam.
Accounting for Non Accountants
The program aims to familiarize participants how the accounting system work, which qualifies who didn’t study financial accounting and does not have the adequate experience for accounting practice.
ObjectiveS
§ Identify the basics of financial accounting.
§ Know how the accounting system works.
§ Qualifies who didn’t study financial accounting or does not have sufficient expertise for its accounting practice.
§ Course participant’s definition data and accounting information and how to use them in economic decision-making.
§ Course Participants with the output of accounting system as a system of financial information, and how the lists of financial information could assist investors, lenders and other users of accounting information for decision-making in different areas.
Contents
§ What is accounting : its nature and objectives.
§ The general framework of financial accounting.
§ The accounting of financial transactions and adjustments for the end of the period.
§ How to prepare financial statements.
§ Identification of some of the accounting standards of relevance
§ Introduction to Financial Analysis.
Methods
§ power point
§ Practical cases
Target Audience
A special program for non-accountants working in banks and companies.
Language
The Program will be conducted in Arabic.
Duration
The Program will be conducted for 6.5 weeks (Twice weekly). Sessions will be held from 5.00pm – 8.00pm plus fifteen minutes break, and two hours for the final exam.
Financial Management for Non Financial Professionals
Financial knowledge has become increasingly important. It is crucial that managers in non-financial-areas, such as marketing, sales, project managers in government and SMEs who make decisions with financial
implications, understand the impact of these decisions and are able to interpret financial data. This program is specially designed to learn to apply the fundamentals of finance
OBJECTIVES:
· Interpret financial information, assess the cost and benefits of business decisions and communicate adequately with financial professionals in your organization.
· Sound fundamental knowledge of the conceptual and the practical underpinnings of financial management and hence ability to make better decisions
· Increase your value to the organization as you become more knowledgeable about key financial issues and become more confident in your ability to analyze the financial implications of your decisions.
CONTENTS:
· Introduction to Financial Management
· Financial Statements Analysis
· Capital Structure and Leverage
· Investing in Long Term Assets
· Budgeting Techniques
TARGET AUDIENCE:
· Executives with responsibilities in non-financial areas
· Professionals with little background in finance
· High potential mid-career team leaders and supervisors
· Those seeking to enhance their financial knowledge
· LANGUAGE:
· The Program will be presented in Bilingual Language (Arabic\English) only, but the material and the exam in English
DURATION
The Program will be conducted at the Institute of Banking Studies, for 36 hours over a period of 6 weeks, from 5.00pm – 8.15pm, plus fifteen minutes break, and two hours for the final exam
FINANCIAL STATEMENTS ANALYSIS
To better understand Financial Statements through providing them with techniques of Financial Statements Analysis to assist in interpreting accounting information
OBJECTIVES
* The primary purposes of this Program are to expose participants to financial analysis techniques and to train them on how to apply those techniques on real world settings. The focus will be on applying analytical techniques in investment and credit decisions
* The Program serves as synthesizing experience for participants, integrating concepts and skills from accounting, finance, economics, business strategy and other related disciplines
CONTENTS
* Introduction to Financial Statements Analysis
* The Income Statement & the Statement of Financial Position
* Statement of Cash Flows
* Techniques of Financial Analysis
* Analysis of Inventory
* Analysis of Long-Lived Assets
* Analysis of Financing Liabilities, Leases and Off-Balance Sheet Debt
* Financial Indicator in Kuwait
* Financial Analysis in Banking Sector
PRE-REQUISITE
Good background in Financial Accounting
METHODS
Lectures, discussions, exercises and cases
TARGET AUDIENCE
* All staff who deal (or are expected to deal) with preparation and use of financial statements
* All staff related to the areas of: credit analysis, investments, and performance evaluation
* This Program is helpful for all staff who requires to be qualified for the CFA, CMA examinations
LANGUAGE
The Program will be presented in English
DURATION
The Program will be conducted for 7.5 weeks (Twice weekly). Sessions will be held from 5.00pm – 8.00 pm plus 2 hours for the final exam
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