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Credit Evaluation and Fraud Protection

RM 2890 RM 3490

11 days left for this offer

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Available Sessions

Session Location Register
18 - 19 Feb 2025 ESPIRA HOTEL KINRARA, Malaysia Register

Description

The credit evaluation and fraud protection training course is to help professionals in Identifying, Mitigation Fraud In Credit Process- Pre, During and After Disbursement.

In addition, participants will learn financial statements and apply various financial analysis tools to identify and detect financial fraud via quantitative and qualitative factors.

Real problematic finance, debt and fraud cases will be analyzed and scenario solutions will be discussed in the workshop.

By the end of this Fraud Management through Credit Operations course, you will be able to:

  • Identify, Mitigate Fraud in Credit Evaluation Process- Pre, During and After Disbursement
  • Assess Credit analysis and profiling customers
  • Understanding Financial Statements
  • Analyse Financial Ratios and Indicators
  • Understand Payment Behaviour and Detect Financial Fraud
  • Use of CRA Services as a part of Credit Control

Bankers, Accountants, Finance Managers, Risk Analyst, Credit Officer and Recovery Officer, Business Managers, Marketing Managers and Accounting Supervisors

DAY 1
9.00 am - 5.00 pm

9.00AM - 10.30AM 
Module 1: Credit Evaluation & Decision Processes

  • Credit Evaluation – Why and How
  • Credit Evaluation Process
  • Credit Decision Process: Customer Review 
  • Credit Decision Process: Transaction Information 
  • Credit Decision Process: Credit Decision 

10.30AM - 10.45AM Break

10.45AM - 1.00PM 
Module 2: Credit Evaluation & Decision Processes (Continuation)

  • Approach to credit risk management due to COVID-19
  • Industry Sector Risk Levels
  • Credit Origination & Line Assignment
  • Credit Qualifying Criteria

1.00PM - 2.00PM Lunch

2.00PM - 3.30PM 
Module 3: Understanding Financial Statements

  • Business Financial Objectives
  • Six Basic Elements of Financial Statements
  • Directors Report
  • Auditor Report
  • Balance Sheet
  • Financial Indicators & Ratio (Capital Structure)

3.30PM - 3.45PM Break

3.45PM - 5.00PM 
Module 4: Understanding Financial Statements (Continuation)

  • Income Statement
  • Financial Indicators and Ratios (Profitability)
  • Statement of Cash Flows
  • Financial Indicators & Ratios (Cash Flow)
  • Notes to Accounts

DAY 2
9.00 am - 5.00 pm

9.00AM - 10.30AM 
Module 5: Important Financial Indicators & Ratios 

  • Financial Indicators & Ratios : 5 Characteristics
  • What do the ratios mean?
  • Exercises on Ratios
  • Some examples of Unique Industry Ratios – Banks
  • Some examples of Unique Industry Ratios – Airline
  • Some examples of Unique Industry Ratios – Telecommunication
  • Some examples of Unique Industry Ratios – Retail

10.30AM - 10.45AM Break

10.45AM - 1.00PM 
Module 6: Payment Behaviour & Credit History

  • Why is this important ?
  • Where to get the information ?

1.00PM - 2.00PM Lunch

2.00PM - 3.30PM 
Module 7: Fraud Detection

  • Potential Fraud Signals
  • Fraud in Financial Reporting
  • Fraud Case Studies

3.30PM - 3.45PM Break

3.45PM - 5.00PM
Module 8: Use of CRA Services as a part of Credit Control

  • Basics in Credit Risk Management
  • Evaluation
  • Monitor : Use of Credit Reporting Agency in Credit Control
  • Recover
  • Reports Available from CRA
  • What is available for CRA Subscribers?
  • Sample of CRA Report for Individuals (CTOS)
  • Sample of CRA Report for Companies (CTOS)
  • KYC Screening
  • eTR Notification

Interactive Presentation, Case Studies, and Group Discussions. 

Special Feature: Please bring a laptop along

DATUK ZAINAL ABIDIN HJ MOHAMED 

•    MBA, The Nottingham Trent University (UK)
•    DBS, University Technology MARA (Malaysia)
•    Adv. Certificate in Banking, Asia Institute of Management (Manila)
•    Certified Credit Professional (CCP) (Malaysia)
•    Certified Executive Coach (CEC) of International Coach Federation, USA
•    HRDF (Malaysia) Certified Senior Corporate Trainer
•    Certified NLP Coach (America Board of NLP)
•    Speaker for Islamic and Conventional Banking
•    Former Associate Fellow ( IBBM/ Bank Negara Malaysia)

Present Undertaking 

A Senior Corporate Trainer, Certified Executive Coach and NLP Coach of  DZA Venture Capital and Consultancy,  and Executive Director and Board Member of Digital Connect  Sdn Bhd and BerryPay (M) Sdn Bhd respectively.

Previous Undertaking

A former General Manager and Senior Vice President of Ambank Islamic / Ambank Berhad and Head of the Government Sector (Apex Group of Customers). He was also on the Board of Government Link Companies.  Brings over almost 30 years of experience helping corporate organizations, business executives and aspiring entrepreneurs discover success.  Qualified senior management professional with significant experience in managing branch operations, corporate business transactions as well as business acquisitions for corporate/ institutional, business, and retail banking, having 30 years\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\' track record in the banking and finance sectors, for both, Islamic and Conventional. 


He was given a special task to oversee the financial health of the branches and advise to ensure its continued viability. Monitors and supervises important functions such as monitoring cash flow, determining profitability, managing expenses, and providing accurate financial information.

At the Head Office level, in addition to his responsibilities to market and develop Islamic banking for the group, he was the Head of the Government Business Sector (APEX Group of Customers) for banking arms in the Group besides leading Islamic Institutional, Corporate, and Business banking of the bank until he left the bank on national interest. 

He was on the Board of  Perbadanan Biotechnology  Melaka and Melaka Biotech Holdings  Sdn Bhd for almost  7 years from 2008 to 2015. Both are wholly owned by the State of Melaka, providing laboratory services for pharmaceutical, cosmetic, traditional medicine, medical device, and environmental industry. 

 A recipient of “Darjah Mulia Seri Melaka” and “Darjah Seri Melaka” by TYT Yang di-Pertua Negeri Melaka granted him the title of “datukship”.

Zainal Abidin brings strong and unique business knowledge, which is demonstrated through his extensive experience as a high-ranking ex-banker. Started his career in the banking sector way back in 1985 when he was recruited as Credit Officer of the local bank before joining Arab-Malaysian Finance Berhad in 1987. He was a Regional Manager and Branch Manager of Ambank Berhad and  Arab-Malaysian Finance Berhad ( Now known as Ambank Bhd) respectively for many years. Here, he helped, managed and trained staff from all categories in various areas; financial planning, sales, credits, merger –integration, collections, customer service. He developed strategies on how companies (branches and regions) see a return on investment. Managed strategic & operational aspects of branches in the region aimed at enhancing organizational bottom lines by streamlining business strategy/ sales operations, credit management, and optimizing operating overheads.

 

“Before attending the course, I didn't have a proper method to keep track of cashflow. In the course, I picked up on cash in , cash out ratio, and inventory ratio. After attending the course online, I am able to generate a monthly report with ratios to monitor my company's cashflow. Danny, the trainer was very detailed and gave clear explanation.” Natasha Mah, Business Development Manager, Wide Tropism.

“The trainer was very good and detailed.” Yeoh SB, Finance Manager, Maccaferri (M) Sdn Bhd.

“Before attending this training, I struggled to understand each of finance term, I didn’t have the basic skills to review a company financial report; didn’t know how finance come out with the DSO, EBIT figures. During the course, I learned about the main financial statements - Balance Sheet, P&L & cash flow statement; DSO, DPO, differences of EBIT & EBITDA & etc. After the course, I have the basic knowledge on how to review a financial report, what are the key things need to focus in each of the financial statement. And, now I understand the impact of each business activity on the company’s financials. Mr Danny is able to provide the real-life examples to make it easier for us to understand the financial concepts. He is a good listener and able to answer all the questions that we asked.” New Chiou Shya, Fresenius Medical Care

Normal Fee Early Bird Group Fee
Sign up 1 pax Sign up 1 pax Sign up 3 pax or more
Pay 1 day(s) before course starts Pay 3 day(s) before course starts Pay 3 day(s) before course starts
MYR 3490 per pax MYR 2890 per pax MYR 2790 per pax
USD 1030 per pax USD 850 per pax USD 820 per pax

Upon successful completion of this program, you will receive a Certificate of Achievement.

1. Online Payment by Credit card:  You can opt to register and pay online with our latest payment integration system through our website.
2. Bank Transfer - You can also opt to use GIRO or telegraphic transfer of payment via international banks.
3. HRD Corp Claimable Courses Skim Bantuan Latihan Khas -  Applicable to Malaysian Employer Only

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