IIM - Indonesian Institute of Management

Credit and Marketing Courses

PREPERATION FOR CREDIT LENDING RATIONALE FINANCIAL STATEMENT ANALYSIS FINANCIAL STATEMENT ANALYSIS | PROFORMA LOAN STRUCTURING LEGAL INDUSTRY ACCOUNT MANAGEMENT CREDIT APPROVAL MEMORANDUM SOFT SKILL FOR ACCOUNT OFFICER PROBLEM LOAN MANAGEMENT OTHER

Basic Accounting 1

Objectives in this module:

Introduction to Accounting & Financial Statements.
Accounting Transactions.
Balance Sheet & Income Statement Accounts.
Inventory & Cost of Goods Sold (COGS).
Fixed Asset & Depreciations.
Accrual Concept.
Statement of Cash Flow.
Ratio Analysis.

Basic Accounting 2

Objectives in this module:

Introduction to Accounting & Financial Statements.
Accounting Transactions.
Balance Sheet & Income Statement Accounts.
Inventory & Cost of Goods Sold (COGS).
Fixed Asset & Depreciations.
Accrual Concept.
Statement of Cash Flow.
Ratio Analysis.

Basic Accounting 3

Objectives in this module:

Introduction to Accounting & Financial Statements.
Accounting Transactions.
Balance Sheet & Income Statement Accounts.
Inventory & Cost of Goods Sold (COGS).
Fixed Asset & Depreciations.
Accrual Concept.
Statement of Cash Flow.
Ratio Analysis.

Upon Request!
(Tailor Made According to Customer Needs)

Lending Rationale 0

Objectives in this module:

Understand the basic concept of credit.
Understand why customers apply for credit.
Understand the 3 concepts of Lending Rationale.
Arrange appropriate credit facilities based on Lending Rationale.
Understand the customer's business turnover (Asset Conversion Cycle).
Understand the basis of the formation of financing needs for working capital.
Understand the basic differences between Asset Conversion Lending and Asset Protection Lending.
Know why financing occurs on the basis of Asset Conversion Lending (seasonal working capital financing).
Understand the Business Risks that arise in a business cycle (supply risk, production risk, demand risk, collection risk).
Understand the basics of Asset Protection Lending.
Prepare protection for banks in Asset Protection Lending financing.
Perform risk analysis and liquidation analysis stages.
Learned the protection strategy for banks.
Arrange maximum loan disbursement based on underlying transaction in Borrowing Base.
Arrange working capital financing based on Asset Protection Lending.
Understand payment based on Cash Flow Lending and what can be financed with this method.
Understand the basic principles of Credit Risk in analyzing and arranging long-term facilities.
Arrange various types of loan installments in accordance with the company's cash flow capabilities.
Study examples of credit products available in banks.
Study examples of financing in accordance with the Lending Rationale.

Lending Rationale 1

Objectives in this module:

Understand the basic concept of credit.
Understand why customers apply for credit.
Understand the 3 concepts of Lending Rationale.
Arrange appropriate credit facilities based on Lending Rationale.
Understand the customer's business turnover (Asset Conversion Cycle).
Understand the basis of the formation of financing needs for working capital.
Understand the basic differences between Asset Conversion Lending and Asset Protection Lending.
Know why financing occurs on the basis of Asset Conversion Lending (seasonal working capital financing).
Understand the Business Risks that arise in a business cycle (supply risk, production risk, demand risk, collection risk).
Understand the basics of Asset Protection Lending.
Prepare protection for banks in Asset Protection Lending financing.
Perform risk analysis and liquidation analysis stages.
Learned the protection strategy for banks.
Arrange maximum loan disbursement based on underlying transaction in Borrowing Base.
Arrange working capital financing based on Asset Protection Lending.
Understand payment based on Cash Flow Lending and what can be financed with this method.
Understand the basic principles of Credit Risk in analyzing and arranging long-term facilities.
Arrange various types of loan installments in accordance with the company's cash flow capabilities.
Study examples of credit products available in banks.
Study examples of financing in accordance with the Lending Rationale.

Lending Rationale 2

Objectives in this module:

Understand the basic concept of credit.
Understand why customers apply for credit.
Understand the 3 concepts of Lending Rationale.
Arrange appropriate credit facilities based on Lending Rationale.
Understand the customer's business turnover (Asset Conversion Cycle).
Understand the basis of the formation of financing needs for working capital.
Understand the basic differences between Asset Conversion Lending and Asset Protection Lending.
Know why financing occurs on the basis of Asset Conversion Lending (seasonal working capital financing).
Understand the Business Risks that arise in a business cycle (supply risk, production risk, demand risk, collection risk).
Understand the basics of Asset Protection Lending.
Prepare protection for banks in Asset Protection Lending financing.
Perform risk analysis and liquidation analysis stages.
Learned the protection strategy for banks.
Arrange maximum loan disbursement based on underlying transaction in Borrowing Base.
Arrange working capital financing based on Asset Protection Lending.
Understand payment based on Cash Flow Lending and what can be financed with this method.
Understand the basic principles of Credit Risk in analyzing and arranging long-term facilities.
Arrange various types of loan installments in accordance with the company's cash flow capabilities.
Study examples of credit products available in banks.
Study examples of financing in accordance with the Lending Rationale.

Lending Rationale 3

Objectives in this module:

Understand the basic concept of credit.
Understand why customers apply for credit.
Understand the 3 concepts of Lending Rationale.
Arrange appropriate credit facilities based on Lending Rationale.
Understand the customer's business turnover (Asset Conversion Cycle).
Understand the basis of the formation of financing needs for working capital.
Understand the basic differences between Asset Conversion Lending and Asset Protection Lending.
Know why financing occurs on the basis of Asset Conversion Lending (seasonal working capital financing).
Understand the Business Risks that arise in a business cycle (supply risk, production risk, demand risk, collection risk).
Understand the basics of Asset Protection Lending.
Prepare protection for banks in Asset Protection Lending financing.
Perform risk analysis and liquidation analysis stages.
Learned the protection strategy for banks.
Arrange maximum loan disbursement based on underlying transaction in Borrowing Base.
Arrange working capital financing based on Asset Protection Lending.
Understand payment based on Cash Flow Lending and what can be financed with this method.
Understand the basic principles of Credit Risk in analyzing and arranging long-term facilities.
Arrange various types of loan installments in accordance with the company's cash flow capabilities.
Study examples of credit products available in banks.
Study examples of financing in accordance with the Lending Rationale.

Upon Request!
(Tailor Made According to Customer Needs)

Spreading 1
Spreading 2

Spreading 1

Objectives in this module:

Know and understand the spreading format (Spreadsheet) used by banks.
Understand the usefulness of spreading for credit analysis.
Prepare all information required for spreading.
Understand the basic principles of spreading.
Understand the adjustments involved in transferring data from customer reports into the bank format which includes:
- Balance Sheet Asset.
- Balance Sheet Liabilities.
- Income Statement.
- Networth Reconciliation.

Spreading 2

Objectives in this module:

Know and understand the spreading format (Spreadsheet) used by banks.
Understand the usefulness of spreading for credit analysis.
Prepare all information required for spreading.
Understand the basic principles of spreading.
Understand the adjustments involved in transferring data from customer reports into the bank format which includes:
- Balance Sheet Asset.
- Balance Sheet Liabilities.
- Income Statement.
- Networth Reconciliation.

Mechanic Ratio

Mechanic Ratio

Objectives in this module:

Know and understand the format of Fact Sheet / Collection of Financial Ratios used in Banking.
Know the groups of ratios that exist.
Understand the origin of ratio calculation and master the components of a ratio so that it makes it easier to analyze ratios quickly and accurately.

Ratio Analysis 1
Ratio Analysis 2

Ratio Analysis 1

Objectives in this module:

Concept of FSA Statement Logic.
8 Steps in Statement Logic.
Basic principles of a business: Return on Equity.
Logical Analysis of Profitability Ratios.
Logic Analysis of Efficiency and Productivity Ratios.
Logic Analysis of Liquidity Ratio and Capital Structure.
Logic Analysis of Debt Service Ratio.

Ratio Analysis 2

Objectives in this module:

Concept of FSA Statement Logic.
8 Steps in Statement Logic.
Basic principles of a business: Return on Equity.
Logical Analysis of Profitability Ratios.
Logic Analysis of Efficiency and Productivity Ratios.
Logic Analysis of Liquidity Ratio and Capital Structure.
Logic Analysis of Debt Service Ratio.

Statement Logic 1
Statement Logic 2

Statement Logic 1

Objectives in this module:

Principles of Financial Statement Analysis.
Vertical and Horizontal Analysis (Horizontal Industry).
5 Financial Ratio Groups in the Fact Sheet.
Profitability Ratio Analysis.
Efficiency and Productivity Ratio Analysis.
Liquidity and Capital Structure Ratio Analysis.
Highlight Debt Service Ratio.
Highlight Asset and Liabilities Composition.

Statement Logic 2

Objectives in this module:

Principles of Financial Statement Analysis.
Vertical and Horizontal Analysis (Horizontal Industry).
5 Financial Ratio Groups in the Fact Sheet.
Profitability Ratio Analysis.
Efficiency and Productivity Ratio Analysis.
Liquidity and Capital Structure Ratio Analysis.
Highlight Debt Service Ratio.
Highlight Asset and Liabilities Composition.

Analisa Rekening Koran

Analisa Rekening Koran

Objectives in this module:

Create an informative statement of account (table).
Detect loans that show symptoms of bad debts as early as possible.
Know the potential of each customer / debtor he handles.
Assess the benefits of relationships with customers/debtors.
Assess the truth of the customer's / debtor's verbal information by analyzing the bank statement.
Know the company's sales cycle from time to time.
Understand and realize the importance of account management through analysis of bank statements.
Recognize the characteristics of fake bank statements and/or savings accounts and try to overcome them.

Proforma

Proforma

Objectives in this module:

Understand the format and how to make Pro Forma Financial Statements that are close to the actual situation.
How to find data sources that can be verified and used to make reports.
Understand the principle of Proforma Report.
Practice making financial statements.
Prepare Pro Forma Report as a basis for calculating financing needs and analyzing the ability of customers to pay their obligations.

Note: Results obtained: Ratio, Cashflow and Basis for doing financial Projection.

Working Invesment

Working Invesment

Objectives in this module:

Understand the concept of working capital.
Know the function of working capital and its types such as WI Balance Sheet - Normal - Projection.
Know how to prepare WI Proforma and calculate working capital according to customer needs.
Can prepare WI Projection based on Shrinkage Approach, High - Low Point and Cash Flow Budget, and determine maximum bank financing.
Analyze customer's ability to pay.

Loan Covenant

Loan Covenant

Objectives in this module:

Understand the use of covenants.
Understand the difference between affirmative & negative covenant.
Develop covenants for customers.
Understand the main principles of smart-up covenants.
Prevent covenant breach.

Collateral

Collateral

Objectives in this module:

Familiarity with the types of collateral commonly accepted by banks.
The process of conducting appraisals of various types of collateral so as to possibly prevent appraisal engineering.
Estimating the Liquidation Value so as to evaluate whether the collateral coverage meets the criteria set by the bank.
Perform what must be considered by an account officer in conducting periodic control and monitoring of collateral.

Upon Request!
(Tailor Made According to Customer Needs)

Industry Analysis

Industry Analysis

Objectives in this module:

Study the prospects of an industry that we will finance.
Know about the industry cycle and what factors can cause changes in the prospects of the industry.
Determine at which step an industry is worth financing
Analyze the factors that can affect an industry.
Evaluate the risks that may arise and have a negative impact on the industry and the companies in it.

Account Management

Account Management

Objectives in this module:

A Credit & Marketing Officer will be able to understand the important function of Account Management.
To make systematic and planned planning and implementation of Account Management & monitoring.
- Before disbursement.
- During the credit facility is used and running.
- After repayment.

Memorandum 1
Memorandum 2

Credit Approval Memorandum 1

Objectives in this module:

Understand the format and content of a complete credit proposal.
Understand the basic principles and key points of a credit analysis.
Create a credit proposal that complies with bank standards.
Create a credit proposal with quality content and analysis.
Structure an appropriate credit facility according to customer needs that gives the bank the ability to monitor and control the credit facility.
Analyze credit risks that may arise and develop mitigations to reduce credit risks.
Provide advice and input on a credit proposal.
Assist in making credit decisions quickly but still refer to prudent banking.

Credit Approval Memorandum 2

Objectives in this module:

Understand the format and content of a complete credit proposal.
Understand the basic principles and key points of a credit analysis.
Create a credit proposal that complies with bank standards.
Create a credit proposal with quality content and analysis.
Structure an appropriate credit facility according to customer needs that gives the bank the ability to monitor and control the credit facility.
Analyze credit risks that may arise and develop mitigations to reduce credit risks.
Provide advice and input on a credit proposal.
Assist in making credit decisions quickly but still refer to prudent banking.

Prospecting

Commercial Loan Prospecting

Objectives in this module:

For the lending Marketing Officer to master the strategy of how to grow the bank's business volume through:
- Existing lending customers.
- Existing non-lending customers.
- Finding new customers.
Understand the types of signs when customers need additional financing.
Reading Buying Signal from customers.
Overcoming rejection from prospective customers.

Plant Visit

Plant Visit

Objectives in this module:

Purpose of the working visit.
Preparing preliminary data.
Preparing a list of questions.
Determining inspection points.
Special attention to each point.
Consolidate information.

Business Failure Warning Signals 1

Objectives in this module:

Understand what factors can create problems for a business.
Understand the early signs if a business has the potential to experience problems.
Identify as early as possible before a credit becomes a Non Performing Loan.
Prepare credit restructuring steps.
Prepare credit rescue measures.
Credit resolution is basically an effort to negotiate and restructure non-performing loans to become healthy again and if possible, SAVE BANK ASSETS.
Performing Facility Restructuring.
Rescheduling Facility.
Perform Reconditioning.
Develop a Repayment or Pay Out Strategy.
Dissect Live Case of existing non-performing loans.
Apply the Business Failure Warning Signal Checklist.
Evaluate internal bank factors.
Analyze internal customer factors.
Analyze external customer factors: Industry and Macro Economy.
Case Discussion - Brainstorming.
Sharing Experience.
Lesson to be learned.
Understand the principles of 5R Loan Restructuring.
Evaluate 6 steps of Loan Restructuring:
- Asset Restructuring.
- Liabilities Restructuring.
- Capital Restructuring.
- Income Statement Restructuring.
- Cash Flow Projection (Monthly).
- Debt Service Schedule.
Discussion - Brainstorming.
Loan Work Out Strategy Discussion.
Experience.
Lesson to be learned.

Business Failure Warning Signals 2

Objectives in this module:

Understand what factors can create problems for a business.
Understand the early signs if a business has the potential to experience problems.
Identify as early as possible before a credit becomes a Non Performing Loan.
Prepare credit restructuring steps.
Prepare credit rescue measures.
Credit resolution is basically an effort to negotiate and restructure non-performing loans to become healthy again and if possible, SAVE BANK ASSETS.
Performing Facility Restructuring.
Rescheduling Facility.
Perform Reconditioning.
Develop a Repayment or Pay Out Strategy.
Dissect Live Case of existing non-performing loans.
Apply the Business Failure Warning Signal Checklist.
Evaluate internal bank factors.
Analyze internal customer factors.
Analyze external customer factors: Industry and Macro Economy.
Case Discussion - Brainstorming.
Sharing Experience.
Lesson to be learned.
Understand the principles of 5R Loan Restructuring.
Evaluate 6 steps of Loan Restructuring:
- Asset Restructuring.
- Liabilities Restructuring.
- Capital Restructuring.
- Income Statement Restructuring.
- Cash Flow Projection (Monthly).
- Debt Service Schedule.
Discussion - Brainstorming.
Loan Work Out Strategy Discussion.
Experience.
Lesson to be learned.

Problem Loan Diagnosis

Objectives in this module:

Understand what factors can create problems for a business.
Understand the early signs if a business has the potential to experience problems.
Identify as early as possible before a credit becomes a Non Performing Loan.
Prepare credit restructuring steps.
Prepare credit rescue measures.
Credit resolution is basically an effort to negotiate and restructure non-performing loans to become healthy again and if possible, SAVE BANK ASSETS.
Performing Facility Restructuring.
Rescheduling Facility.
Perform Reconditioning.
Develop a Repayment or Pay Out Strategy.
Dissect Live Case of existing non-performing loans.
Apply the Business Failure Warning Signal Checklist.
Evaluate internal bank factors.
Analyze internal customer factors.
Analyze external customer factors: Industry and Macro Economy.
Case Discussion - Brainstorming.
Sharing Experience.
Lesson to be learned.
Understand the principles of 5R Loan Restructuring.
Evaluate 6 steps of Loan Restructuring:
- Asset Restructuring.
- Liabilities Restructuring.
- Capital Restructuring.
- Income Statement Restructuring.
- Cash Flow Projection (Monthly).
- Debt Service Schedule.
Discussion - Brainstorming.
Loan Work Out Strategy Discussion.
Experience.
Lesson to be learned.

Problem Loan Restructuring & Loan Workout

Objectives in this module:

Understand what factors can create problems for a business.
Understand the early signs if a business has the potential to experience problems.
Identify as early as possible before a credit becomes a Non Performing Loan.
Prepare credit restructuring steps.
Prepare credit rescue measures.
Credit resolution is basically an effort to negotiate and restructure non-performing loans to become healthy again and if possible, SAVE BANK ASSETS.
Performing Facility Restructuring.
Rescheduling Facility.
Perform Reconditioning.
Develop a Repayment or Pay Out Strategy.
Dissect Live Case of existing non-performing loans.
Apply the Business Failure Warning Signal Checklist.
Evaluate internal bank factors.
Analyze internal customer factors.
Analyze external customer factors: Industry and Macro Economy.
Case Discussion - Brainstorming.
Sharing Experience.
Lesson to be learned.
Understand the principles of 5R Loan Restructuring.
Evaluate 6 steps of Loan Restructuring:
- Asset Restructuring.
- Liabilities Restructuring.
- Capital Restructuring.
- Income Statement Restructuring.
- Cash Flow Projection (Monthly).
- Debt Service Schedule.
Discussion - Brainstorming.
Loan Work Out Strategy Discussion.
Experience.
Lesson to be learned.

Trade Finance 1

Objectives in this module:

Introduction to Accounting & Financial Statements.
Accounting Transactions.
Balance Sheet & Income Statement Accounts.
International Trade Settlement Method.
Documentary Letter of Credit.
Letter of Credit Special Condition.
Calculation of Sight and Usance L/C Ceiling.
Bank products related to Trade Finance.
Cash Loan Facility Calculation.
Bank Guarantee products that are not directly related to Trade Finance.

Trade Finance 2

Objectives in this module:

Introduction to Accounting & Financial Statements.
Accounting Transactions.
Balance Sheet & Income Statement Accounts.
International Trade Settlement Method.
Documentary Letter of Credit.
Letter of Credit Special Condition.
Calculation of Sight and Usance L/C Ceiling.
Bank products related to Trade Finance.
Cash Loan Facility Calculation.
Bank Guarantee products that are not directly related to Trade Finance.

Trade Finance 3

Objectives in this module:

Introduction to Accounting & Financial Statements.
Accounting Transactions.
Balance Sheet & Income Statement Accounts.
International Trade Settlement Method.
Documentary Letter of Credit.
Letter of Credit Special Condition.
Calculation of Sight and Usance L/C Ceiling.
Bank products related to Trade Finance.
Cash Loan Facility Calculation.
Bank Guarantee products that are not directly related to Trade Finance.

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Demo Modul

Testimonial

Basic Accounting 1

Basic Accounting 2

Basic Accounting 3

Lending Rationale 0

Lending Rationale 1

Lending Rationale 2

Lending Rationale 3

Spreading 1

Spreading 2

Mechanic Ratio

Ratio Analysis 1

Ratio Analysis 2

Statement Logic 1

Statement Logic 2

Analisa Rekening Koran

Proforma

Working Invesment

Loan Covenant

Collateral

Industry Analysis

Account Management

Credit Approval Memorandum 1

Credit Approval Memorandum 2

Commercial Loan Prospecting

Plant Visit

Business Failure Warning Signals 1

Business Failure Warning Signals 2

Problem Loan Diagnosis

Problem Loan Restructuring & Loan Workout

Trade Finance 1

Trade Finance 2

Trade Finance 3

Anti Money Laundering