In an increasingly complicated and fast-changing business and financial landscape, refining and sustaining lender performance is one of the most challenging factors in attaining your financial institution’s business objectives. Now more than ever, it is imperative for institutions and individuals to reinforce and enhance credit analysis and decision making skills for optimum productivity and performance.

Commercial Loans to Business (CLB) is the industry standard for giving commercial lenders the combination of skills and current information they need to make sound, well-informed loan decisions.

The core of our learning system is Omega Performance’s exclusive Decision Strategy™, a step-by-step process for investigating, analysing, and interpreting borrower information—including all aspects of risk analysis, financial statement analysis, cash flow analysis, and loan structure.

Omega Performance’s proven credit curriculum is used by many of the world’s leading financial service organisations as their definitive credit certification system, including Standard Chartered Group, Barclays Bank, GE Capital, National Australia Bank, Westpac, Commonwealth Bank, OCBC Bank, DBS Bank, Bank Central Asia, PermataBank, Maybank-Bank Internasional Indonesia, Krung Thai Bank, Kasikorn Bank and many others.

Our learning and assessment system is benchmarked to global standards with customisation flexibility to comply with national requirements. Numerous global and national independent organisations have evaluated and endorsed Omega Performance’s credit curriculum for its rigour and proven results. These accrediting bodies include: Chartered Institute of Bankers (UK), International Association of Continuing Education and Training (US), Commercial Asset Finance Brokers Association (Australia), University of Phoenix (US), Charles Sturt University (Australia) and others.

∉ Nelson Salita, Omega Performance senior facilitator for the Asian region, has taught extensively throughout Asia for Citibank’s Asia Pacific Banking Institute and for numerous other banks and is a consultant to the Asian Development Bank. He holds Masters Degrees from both the University of Illinois and from Pennsylvania State University.

∉ Phil Forrest, Omega Performance Managing Director Singapore, has worked in banking in Asia since 1982, initially for Citibank in Manila, Jakartaand Bangkok, where he was Wholesale Bank country head, then as Head of South and South East Asia for Natwest Markets, and most recently as Asia Head for ANZ Bank based in Singapore.

Topics covered include:
∉ Opportunity Assessment includes an introduction to commercial lending and the asset conversion cycle and provides a framework for comprehensive risk analysis.
∉ Borrowing Causes teaches participants to probe into the real reasons behind a borrower’s loan requests, so that they will be able to better understand the risks in lending to a company, structure a loan appropriately, and anticipate the borrower’s needs.
∉ Industry Risk Analysis addresses changes in the environment in which the borrower operates by examining the economic, market, demographic, and other forces that are generally outside the borrower’s or the lender’s control.
∉ Business Risk Analysis helps participants analyse how well a borrower’s management team is dealing with the risks inherent in the industry.
∉ Loan Management explains the loan grading process and the importance of policies and procedures.
∉ Financial Statement Analysis teaches participants to interpret financial statements as a reflection of the entire range of a company’s operations, from sales and distribution to purchasing.
∉ Cash Flow Analysis describes how lenders cancel the effects of accrual accounting to see a company’s cash dynamics—its cash inflows and outflows—as an important component of repayment source analysis.
∉ Projections teaches participants to integrate their historical industry, business and financial statement analysis information into a forecast of future cash flow available for loan repayment.
∉ Loan Structuring helps participants decide how and under what conditions they would be willing to lend to the customer.
∉ Product Analysis teaches the implications for credit decision-making.

S$4,995 per participant (includes materials, lunch and refreshments)

Omega Performance has been accredited by IBF as a FICS training provider in the area of Corporate Banking, Credit Analysis and Approval, JRV. Omega Performance’s Commercial Loans to Business—Job Role V is fully accredited under FICS. Funding Support for this Workshop: Singapore-based financial institutions and individuals may obtain 90% funding support on the course fee from the Financial Sector Development Fund (FSDF) administered by the Monetary Authority of Singapore, subject to terms and conditions.

CLB is recommended for:

• Commercial lenders
• Credit analysts
• Credit administration staff
• Loan review staff

The training has also proven effective for officers in international lending, regional loan administration, credit policy, business development, and other departments that support the commercial lending function.

Contact: Omega Performance Singapore +65 6505 2062
Web: http://www.omega-performance.com/rsvp/Singapore-5DayCLB.asp
Email: anthea.ong@omega-performance.com