Origination, Credit & Regulatory Skills in Practice

2 days 28-29 Nov 2017, Hong Kong Hong Kong $3,350.00 Download brochure Add to basket

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Overview

Banks and other financial institutions lost billions of dollars due to their failure of analyse credit risks correctly. Even when financial institutions do not suffer direct financial losses due to default or market movements, they may be receiving an inadequate return for the risks involved.

With leveraged instruments set to remain a standard part of corporate capital structures, in both the private and public equity markets, knowing how to analyse credit risk remains key to avoiding losses and to maximising returns.

The 2-day course uses a combination of practical credit analysis framework based on the trainer’s 20-year banking and credit experience, actual recent China/Hong Kong credit cases as well as hand-on exercises to enhance the attendee’s knowledge and application of credit skills in practice.

OBJECTIVES:

By attending this course, participants will able to:

  • Conduct an effective client origination and identify the relevant business opportunities
  • Understand the essentials of credit due diligence
  • Analyse cash flow from a credit approver’s perspective
  • Put forward a credit memorandum for risk approval
  • Analyse key protective documentation and facility terms
  • Assure credit quality and post-lending monitoring
  • Understand the key regulatory impacts on corporate banking

Who should attend

Junior to mid-level corporate bankers who would have origination, credit and regulatory responsibilities, credit, legal and compliance professionals who would like to have a comprehensive understanding of the daily work of corporate bankers, experienced financial professionals who look forward to switching to corporate banking

Instructors

We work with a series of expert instructors, please select the course location of interest to review the credentials of who will be delivering the programme.

Hong Kong
Stan Ho

The Course Director with 20-year investment banking and credit rating experience, is currently the Adjunct Professor of the Department of Real Estate and Construction at the University of Hong Kong, and the Adjunct Professor of the School of Accounting and Finance at The Hong Kong Polytechnic University.

He started his career at Credit Suisse in Equity Capital Markets. He was involved in structuring of equity and equity-linked offerings, generating marketing and pricing strategies, organizing roadshows and teach-in for salesforce, performing book building and stock allocation analysis. Products covered include straight equity (IPO and DR) and convertible bonds.

He then moved to Merrill Lynch Corporate Finance. At Merrill Lynch he was responsible in preparing financial models and company valuation, drafting rating agency presentations and roadshow materials, assisting in due diligence and business origination. Products covered include straight bond and MTN offerings. Subsequently he joined Bear Stearns and looked after overall transaction and project management for capital raising and merger and acquisition: Conducting business and financial due diligence, developing equity and credit stories for the issuing clients, preparing and reviewing financial models, drafting and reviewing deal correspondence and legal documentation, acting as the point person among the issuing clients, strategic investors, lawyers, accountants, rating agencies and the regulators during the transaction execution, and leading the negotiation with the counterparties and their advisors in merger and acquisition assignments.

In 2003, he decided to move to Fitch Ratings and became Head of Non-Japan Asia Structured Finance, Covered Bond and REIT Corporate Ratings. He was responsible for securitization, covered bond and REIT corporate ratings in Non-Japan Asia covering CMBS (real estate) in Singapore, ABS (credit card and auto) in Korea and ABS (auto NBFI) India. his analytical work scope includes leading management meeting and site visit, performing collateral and financial statement analysis, cash flow and scenario stress testing, reviewing legal documentation and opinion, liaising with issuers, bankers and lawyers on transaction structures, presenting rating recommendation for internal approval, writing research and answering enquiries by investors and regulators.

Since 2012, he becomes active in training and education. He has ample training experience for commercial banks, investment banks, insurance companies and industry associations in Asia including:

  • Credit Derivatives
  • Credit Rating and Corporate Credit Analysis
  • Risk Management (Credit and Market)
  • Equity Capital Markets/Initial Public Offering/Equity-Linked Securities
  • Debt Capital Markets
  • Merger & Acquisition
  • Private Equity & Venture Capital
  • Investment Analysis & Portfolio Management
  • Hedge Funds & Alternative Asset Classes
  • Fixed Income Securities
  • Structured Products
  • Real Estate Investment & Finance
  • Financial Statement Analysis
  • Accounting and Profit Manipulation
  • Basel and Bank Capital Adequacy

Venue

Hong Kong

4-5 Star Hotel in Hong Kong

All of our courses are held in 4 – 5 star hotels, chosen for their location, facilities and level of service. You can be assured of a comfortable, convenient learning environment throughout the duration of the course.

Due to the variation in delegate numbers, we will send confirmation of the venue to you approximately 2 weeks before the start of the course. Course fees include training facilities, documentation, lunches and refreshments for the duration of the programme. Delegates are responsible for arranging their own accommodation, however, a list of convenient hotels (many at specially negotiated rates) is available upon registration.

Related Courses

Inhouse


 

Do you have five or more people interested in attending this course? Do you want to tailor it to meet your company's exact requirements? If you'd like to do either of these, we can bring this course to your company's office. You could even save up to 50% on the cost of sending delegates to a public course.

To find out more about running this course in-house:





Our Tailored Learning Offering

If you want to run this course at a location convenient to you or if you want a completely customised learning solution, we can help.

We produce learning solutions that are completely unique to your business. We'll guide you through the whole process, from the initial consultancy to evaluating the success of the full learning experience. Our learning specialists ensure you get the maximum return on your training investment.

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We can offer any of our public courses delivered at your office or we can devise completely tailored solutions:


Read more about our offering or complete a call back request to speak to a learning specialist.

 

Agenda

Day  1

Effective Client Origination:

  • Relationship management
  • Growing business and revenue
  • Gaining client loyalty
  • Dealing with customer complaints
  • Conducting an effective presentation pitch

Exercise: Winning a loan syndication business with an incumbent

Identifying Business Opportunities:

  • Identifying the expansion plan from the chairman/CEO outlook
  • Identifying the re-financing opportunities from the notes to financial statements
  • Identifying the future debt funding opportunities from the principal banker section

Case/Exercise: Identifying the funding requirements of a Hong Kong manufacturer and distributor of health accessory products

Understanding the Credit Due Diligence:

  • Economic Environment
  • Operating Environment
  • Industry
  • Market Position
  • Management Quality
  • Corporate Governance
  • Legal and Regulatory Issues

Case/Exercise: Undertaking qualitative analysis for a China conglomerate

Analysing Cash Flow from Credit Perspective:

  • Earning and Cash Flow
  • Liquidity
  • Efficiency
  • Leverage
  • Profitability
  • Financial Flexibility
  • Asset Quality

Case/Exercise: Undertaking quantitative analysis for a China conglomerate

Day 2

Analysing Key Credit Facility and Documentation Terms:

  • Tenor
  • Interest Rate
  • Call Conditions
  • Conditions and Covenants
  • Collateral: Lien, Pledge, Assignment, Mortgage
  • Guarantee
  • Comfort Letter
  • Events of default
  • Effective covenants

Exercise: Structuring a loan facility for a China telecom equipment manufacturer

Writing a Solid Credit Memorandum:

  • Effective Tips for a Credit Proposal
  • Effective Credit Presentation Format
  • Streamlining Hints & Active vs Passive Voices

Exercise: Enhancing an existing credit proposal for a Hong Kong retailer

Post Lending Credit Monitoring:

  • Monitoring interest coverage and leverage triggers
  • Monitoring applicable external credit ratings
  • Monitoring company corporate actions adverse to the interests of lenders

Case: Reviewing the key person risk for a China property developer

Key Regulatory Impacts:

  • Basel III
  • Financial crime compliance
  • KYC Customer Due Diligence

Exercise: Analysing the potential financial crime risk of an on-boarding customer

Why us


We have a combined experience of over 60 years providing learning solutions to the world’s major organisations and are privileged to have contributed to their success. We view our clients as partners and focus on understanding the needs of each organisation we work with to tailor learning solutions to specific requirements.

We are proud of our record of customer satisfaction. Here is why you should choose us to help you achieve your goals and accelerate your career:

  • Quality – our clients consistently rate our performance ‘excellent’ or ‘outstanding’. Our average overall score awarded to us by our clients is nine out of ten.
  • Track record – we have delivered training solutions for 95% of worlds’ top 100 banks and have trained over 250,000 professionals.
  • Knowledge – our 150 strong team of industry specialist trainers are world leading financial leaders and commentators, ensuring our knowledge base is second to none.
  • Reliability – if we promise it, we deliver it. We have delivered over 20,000 events both in person and online, using simultaneous translation to delegates from over 180 countries.
  • Recognition – we are accredited by the British Accreditation Council and the CPD Certification Service. In an independent review by Feefo we scored 96% on service and 95% on product