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A two days intensive masterclass on SME lendng and financial analysis presented by George Staicu. By the end of this course, participants will: • Understand the nature of financial risk, how and why banks take risk, how it is measured, and how it is applied to SME borrowers; • Appreciate how "Tops Down" analysis and detailed financial and credit analysis of the borrower interrelate and impact SME borrowers; • Know how to read, adjust and understand SME financial statements, and to apply that understanding to the objectives of their credit analysis of a borrower; • Be able to determine the relationship between credit analysis and the type of facility to be recommended for SME borrowers, and the key issues in determining what documentation and security should support that facility; • Know what to do after the transaction has been approved, documented and drawn down.
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Our Top ExpertGEORGE STAICU
By the end of this course, participants will:• Understand the nature of financial risk, how and why banks take risk,
how it is measured, and how it is applied to SME borrowers;• Appreciate how "Tops Down" analysis and detailed financial and credit
analysis of the borrower interrelate and impact SME borrowers;• Know how to read, adjust and understand SME financial statements,
and to apply that understanding to the objectives of their credit analysisof a borrower;
• Be able to determine the relationship between credit analysis and thetype of facility to be recommended for SME borrowers, and the key issues in determining what documentation and security should supportthat facility;
• Know what to do after the transaction has been approved, documentedand drawn down
KEY OBJECTIVES
Another Premium Masterclass by
15th & 16th FEBRUARY 2011 | PARKROYAL SINGAPORE
t A confirmed global authority with over 20 years of professional experience in microfinance & public finance areas forglobal financial institutions across the globe
t Senior advisor to major finance bodiessuch as World Bank, International Monetary Fund & EU among a few
This workshop is specially designed for:• Head of Portfolio Management• Owner Managers of Private Enterprises• Financial Managers/ Accountants of SMEs• SME Advisors/ Technical Assistance Providers• Commercial Bankers• Managing Directors and Executives in Corporate Banking• Regional/ Branch Managers• Account Officers• Senior Lending and Relationship Managers• Heads of Credit Department and Credit Analysts• Risk Managers/ Analysts• Head of Corporate Strategy and Planning• Head of Business Management• Banking and Strategy• Consultants
WHO SHOULD ATTEND
BOOK NOW! Call MARYLEN +65 6846 2704 | E-mail [email protected] | Fax +65 6747 6131
50% FSDF Course Funding Available50% FSDF Course Funding Available
The Financial Sector Development Fund(FSDF) offers grants to financial sectororganizations that sponsor eligible participants to training programmes thatmeet qualifying criteria. For enquiries, please contact the FSDF Secretariat at6229-9396 or via email at [email protected]
08:45 Registration09:00 Workshop commences10:45 Morning refreshment11:00 Workshop re-commences12:30 Luncheon and Networking break14:00 Workshop re-commences15:30 Afternoon refreshment15:45 Workshop re-commences17:30 Workshop concludesW
ORK
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In the last one year, the global financial landscape has changed; the world is in the grip of economic recession, with the largesteconomies shrinking and major financial institutions all taking direct hits. Business optimism and confidence are lower than they havebeen for more than 30 years. Experts predict that the current recession will force the financial and global economic landscape to bere-defined a new by market forces. SME lending will be a critical factor in re-building economies; In Asia, particularly, SME Lendinginstitutions will have to tailor their strategy and policy to take into account the emerging new landscape, increased competition andpossibly decreased availability of funds. To address the financial needs of the growing number of small and medium sized enterprises(SMEs), financial organizations are focusing on offering products tailored for these enterprises. To succeed in building a viable SMElending business and stay ahead of competition, there is a need to enhance the capacity of individuals working in these institutionsto maximize on SME Financing and lending activities.
'SME Credit: Lending and Financial Analysis', shows financial institutions how to identify segments within the SME market whereprofitable and safe lending can be undertaken. It looks at products that can be made available to that market. It examines the specificcredit, financial analysis and documentation requirements, issues, policies and procedures that are needed to ensure that financialinstitutions make sound credit decisions. It looks forward to the evolving application of credit scoring to SME loans.
BOOK NOW! Call MARYLEN +65 6846 2704 | E-mail [email protected] | Fax +65 6747 61312
MASTERCLASS OVERVIEW
15th & 16th FEBRUARY 2011 | PARKROYAL SINGAPORE
EVALUATION OF RISK IN THE OPERATING CYCLE• Business risk
- What is the nature and viability of the business assets?
• Financial risk- How much outside financing is required to completethe operating cycle?
• Performance risk- How well are expenses controlled?
• Management risk- Management are the key to identifying and minimising all risks in a business.
• The 5 Cs of credit and their application to SMEs8 CASE STUDY
UNDERSTANDING THE SME BUSINESS• Overview of financial risk and business risk• Summary of the key issues that the banker has to
focus on when lending to SMEs• Deciding on the criteria for client selection
- What are the characteristics of businesses that youwant to deal with?
• Do SMEs have different credit profiles to larger corporate?
8 CASE STUDY
DESIGNING AND MARKETING THE RIGHT PRODUCTS FORTHE SME MARKET
• Linking your understanding of SME characteristics to SME credit products
• Asset-based finance-key principles• Marketing to SMEs• Assessing business plans• Visiting the customer's premises• Environment & lending
8 CASE STUDY
THE OPERATING CYCLE OF A BUSINESS AND HOW IT ISFINANCED
• An overview designed to stimulate participants intothinking how a business cycle works and how it isfinanced
8 CASE STUDY
D A Y 1 D A Y 2
FINANCIAL ANALYSIS OF SMES• Corporate structure & financial analysis• What are you analysing?
PRO FORMA CONSOLIDATIONS AND ADJUSTMENT OFFINANCIAL STATEMENTS
• The cash flow cycle and its relevance to growing companies, to working capital and to SME product design
• Ratio and cash flow analysis• How do SMEs manipulate their financial statements,
and how do you compensate for that?• Sustainable operating cash flow & profits: the key
concerns of lenders8 CASE STUDY
CREDIT PROPOSALS• Risk Analysis of the proposal.• Considerations of borrowers’ foreign exchange
exposure• Loan documentation and collaterals• Settlement and drawdown• After the deal is done
OTHER CONSIDERATIONS• Annual review• Managing and monitoring loans• Portfolio management• Warning signals of failure by SMEs
Pinnacle Group International is a leading player in the conference and training industry in Asia designing and launching its ownbrand of conferences, events and training solutions with a specialisation in Banking and Finance, Education, F&B, Healthcare &Life Sciences, Construction, Telecommunication and Oil & Gas. Pinnacle is headquartered in Singapore with a supporting regionaloffice located in Shanghai. We pride in our ability to anticipate and read underlying socio-economic and investment trends inemerging and developed markets, creating brands and events to capture these opportunities and launching them with our clientsand partners in both regional and international markets.
If you cannot find the training you require at a suitable time or place, we can alsoprovide you with the opportunity to:
• have a course delivered in-house that is customised to your needs and requirement
• conduct a public run course in your country according to the level that is required, topic of your choice, suitable venue and timing
• incorporate company or operational data within the training in order to make sure your employees benefit from a real-world focus
TRAINING MANAGERRoss MohlawiDID: +65 6846 2708FAX: +65 6747 6131Email: [email protected]: www.tpgi.org
If you have further enquiries orrequire further consultation pleasecontact us:
CUSTOMISING TRAINING FOR YOU
BOOK NOW! Call MARYLEN +65 6846 2704 | E-mail [email protected] | Fax +65 6747 61313
George Staicu is a senior consultant with more than 20 years of professional record within thefinancial industry especially in microfinance and public finance areas. He specialize in bankstrategic planning and SME lending in particularly on Micro and SMEs management, bankregulation, credit analysis, corporate governance, risk management, collateral assessment andlending risk for many organization and financial institution including the WORLD BANK, IMFand EU. Having spent 15 years in Romanian Savings Bank as General Director of the Strategyand Controlling (Financial Management) division, they have become one of the largest retailbank in Romania with more than 1 billion USD balance-sheet and more than 11,000 units. Heprovides advisory service to banks and microfinance institution such as Vietnam Bank forAgriculture and Rural Development, Romanian Savings Bank and many Enterprise Programme.He is also very much involved in Advanced Technologies in Banking, Risk management (credit,market, operational, strategic, technological, compliance, money laundering risks) includingBasel II Accord and Sarbanes –Oxley).
Our Top Expert GEORGE STAICU
15th & 16th FEBRUARY 2011 | PARKROYAL SINGAPORE
He has delivered many SME training around the region including SME lending / cash-flow based lending; SME financing (externalcredit lines from International Financial Institutions on-lent to local banks); SME Credit scoring; SME Credit Guarantee Schemes/Funds;the Bologna charter on SME policies.
