Webinar & Conferences

Due to intense competition in the financial services industry, organizations are now looking at different ways to expand their loan portfolio to remain relevant and to provide reasonable returns to shareholders. In this competitive and hostile environment, it has now become a necessity for the lenders to seek ways to expand the loan portfolio, while at the same time managing risk associated with new credit ventures. Small businesses play a vital role in the Caribbean economy, contributing to employment generation, innovation, and economic diversification. However, challenges such as limited access to financing, infrastructure constraints, and vulnerabilities hinder the development of these small and micro enterprises. While income and profitability are heavily dependent on loan interest, it has become necessary to reconfigure interest composition to focus on interest income from small business loans. The new business model of organizations in the financial industry is that while they are still involved in intermediation, new models must be employed in order to remain relevant.

Effective Credit Management remains the “Foundation of Your Business”, as without credit through loans to customers/ members, the financial institutions will be unable to: Generate Surplus/ Profits Grow the Organization Satisfy Customer / Members Needs Return dividends to Shareholders Finance Expenditure

In treating with your main asset, the 2024 two day Effective Credit Management Workshop Focus on: Business Loan Evaluation Analysing and understanding financial statements – Loan Evaluation Loan Interest Rate Analysis – Different Scenarios Risk Mitigation and Recovery Techniques Credit Portfolio Expansion Credit Underwriting / Evaluation / Techniques Development of Credit Officers capacity and capabilities Provision of “Business Tool Kit” for loan evaluation

2) PREVIOUS PARTICIPANTS TESTIMONIALS

This two-day Effective Credit Management 2024 workshop is designed for Lenders to Focus on Loans (Regular and SME) as an avenue towards business expansion and growth.

• Diversify your loan portfolio. • Boost interest income via Business Loans.
• Enhance asset quality.
• Focus on your Main Asset.
• Employ a combination of various strategies to boost loan portfolios.
• Engage in risk-rating techniques for loan pricing.
• Be aware of credit market dynamics to penetrate niche markets, especially business loans.
• Perform financial analysis and calculate ratios on borrowers’ financial statements.
• Conduct feasibility study on business ventures.
• Apply workable recovery tools and techniques to enhance collections.
• Employ sound credit management practices.
• Use the “Business Toolkit” to manage Business Loans.

3) DELIVERABLES AND OBJECTIVES

In addition to participants’ exposure on two days of expert facilitation, participants will be provided with: Business “Toolkit” to manage business loans Extract of Presentation to be used as reference material. Understanding Financial Ratios - Analysis (User Guide for Credit Officers) Types of Ratios, description, Formulae and Guides (Suggested standards) Compliance Guidelines for Business Loan Application Six Cs Credit Analysis Framework Strategic Delinquency Mapping Framework Recoveries and Collection Timeline Due Diligence Process for Business Loans (non-salary income borrowers) Relevant Financial Statement Information Understanding Financial Ratios - Analysis (User Guide for Credit Officers) Types of Ratios, description, Formulae and Guides (User Guide with suggested standards) Compliance Guidelines for Business Loan Application Six Cs Credit Analysis Framework Strategic Delinquency Mapping Framework Recoveries and Collection Timeline Secrets to Boost loan portfolio and income Expert Facilitation

After attending and participating in this Two-Day Effective Credit Management Workshop, participants will be able to: Analyze and interpret Financial Statements (Balance Sheet, Income Statement, Cash Flow Statements) when evaluating loans Analyze and interpret Financial Statements (Balance Sheet, Income Statement, Cash Flow Statements) when evaluating loans Be aware and be able to calculate ratios to determine the financial health of a business Apply strategies to increase loan portfolios, income and asset quality. Effectively evaluate loan applications using Six Cs Credit Framework Ask relevant questions to borrowers arising from the use of Cash Flow / bank statements Know the Legal requirements for different types of business structures Strategic Responses to Credit Management Strategically treat loans as your main asset Adopt workable delinquency, collections and techniques recoveries Employ sound credit management practices

4) TARGET AUDIENCE

Analysts Comptrollers Credit Credit Managers Risk Committees Loan Coordinators Credit Committees Directors

Loan Supervisors Officers Credit Managers Credit/Loan Managers Recoveries Risk Managers Branch Persons responsible for loan administration and risk mitigation

5) PRICES PER PERSON FOR BOTH DAYS (VAT INCLUSIVE)

Effective Credit Management Conference 2024

Early BIRD VIRTUAL

Early BIRD In-person

Virtual Online

Regular In-Person

For other payment methods such as Wire Transfer (USD $) or Online Transfer/Direct Deposit (TTD $), kindly send an email to conference@nemlctt.com.