Credit Managment Conference 2025

Platform:

Locaton:

Arthur Lok Jack Global School of Business

Mount Hope, Trinidad

Date:

Thursday July 17th and Friday July 18th, 2025

1) Time to upsize your loan portfolio

People are borrowing more from the banks!!!

“Supported by attractive financing terms, consumer lending ended 2024 in double-digits increases”
“The main reason for the loan increase - purchase of cars, real estate and servicing debt”
“Commercial Banks - Loan growth contributed significantly to impressive financial performances in recent fiscal reports”
“Loan growth contributed significantly to impressive financial performances in recent fiscal reports” – Banking Sector
“The robust growth in credit to the private sector continued in 2024, bolstered by consumer, business and real estate mortgage lending”
“Commercial bank lending was responsible for the growth in 2024, as non-bank lending experienced a contraction” – Why
“Commercial bank lending increased by 9.3 per cent (year-on-year) in December 2024 ….while non-bank lending declined by 4.5 per cent”
“According to quarterly data, interest rates on ‘new’ commercial bank real estate mortgages edged down from 5.08 per cent in the last quarter of 2023 to 4.85 per cent in the last quarter of 2024”

BIG Question is why commercial banks should enjoy healthy increases in loan expansion (and profitability) while other lending institutions have experienced a single digit increase, if any? This imbalance needs to be addressed frontally – Effective Credit Management 2025 will pave the way for other lending institutions to Upsize Their Portfolio through cutting edge strategies.

A healthy loan portfolio contributes significantly to Income and by extension profitability / surplus. To benefit from income, lending institutions MUST increase their Loan Portfolio.

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 2025 two day Effective Credit Management Workshop Focus on:

Credit Underwriting/ Evaluation/ Techniques
Analyzing / Understanding Financial Statements – Loans for Business Ventures
Loan Interest Rate Analysis - Different Scenarios
Risk Mitigation & Recovery Techniques
Delinquency Management
Upsizing Your Loan Portfolio
Risk Based Approach to Lending
Development of Credit Offices capacity & capabilities
Sales Training for Loan Officers – Capabilities and Techniques

2) PREVIOUS PARTICIPANTS TESTIMONIALS

This designed for Lending Institutions to Upsize Their Loan Portfolio through creative credit management approaches and techniques towards business expansion and growth.

• Diversify your loan portfolio.
• Boost interest income via Business Loans.
• Enhance asset quality.
• Sales Techniques for loan expansion.
• Cutting Edge strategies to boost loan portfolios.
• Engage in risk-rating techniques for loan pricing.
• Conduct feasibility study on business ventures.
• Awareness of credit market dynamics to penetrate niche markets, especially business loans.
• Financial analysis to evaluate business loan ventures.
• Workable recovery tools and techniques to enhance collections.
• Sound credit management practices.
• Delinquency Management.
• Data Analytics in Credit management.
• Loan Fraud – how to prevent and meet AML Standards.
• Case Studies.

3) DELIVERABLES AND OBJECTIVES

In addition to participants’ exposure on two days of expert facilitation, participants will be provided with:

Sales Training Techniques – Sell and Cross Sell.
Extract of Presentation to be used as reference material.
Loan Interest Rate Analysis.
Due Diligence Process for Business Loans (non-salary income borrowers).
Cash Flow Issues Analysis when dealing with Small Business Loans.
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 Strategies.
Secrets to Boost loan portfolio.
Approaches to Increase Net Interest Income and Profitability.
Techniques to mitigate Loan Fraud.

After attending and participating in this Two-Day Effective Credit Management Workshop, participants will be able to:

Employ sales techniques to sell and cross sell to customers/clients.
Analyze and interpret Financial Statements (Balance Sheet, Income Statement, Cash Flow Statements) when evaluating loans.
Identify signs of Loan Fraud.
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.
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 2025

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.
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