Credit Analysis and Risk Management - Institute of Business ...

Objective
The objective of this 3-Day module is to develop the skills of the participants that are
required to make a lending decision and the relationship/account management
capability through understanding the credit process and various credit analysis & risk
management techniques, both qualitative and quantitative.
What will participants learn?
Upon the completion of this module, the participants will be able to analyze risks associated with the credit products
by focusing on:
perform a credit analysis of a customer, incorporating qualitative and financial analysis;
prepare a cash flow budget as one part of credit structuring;
identify the elements of credit administration and understand the importance of early problem recognition;
apply appropriate policy, practices and procedures to credit portfolios
recognize the importance of competent and experienced people in the credit processes.
Course Outline
PART I: Risk Origination and Structuring
Unit One, Risk Analysis — Qualitative Factors, explores the qualitative analysis dimension of the credit process, including
external and internal issues that affect a company’s operations and management.
Unit Two, Quantitative Analysis, covers some of the techniques used to analyze a customer’s financial statements,
including comparative analysis, financial ratios, cash generation analysis, and projections.
In Unit Three, Credit Structuring, we discuss issues related to structuring a transaction to minimize credit risk and to
introduce the cash inflow / outflow budget.
The approval process, including the main components of a credit package, is covered in Unit Four, Approval and
Documentation. This unit also includes legal, credit issues associated with term lending.
PART II: Transaction Monitoring and Maintenance
Unit Five, Managing Credit Risk, focuses on the procedures that are necessary to identify and control risk.
Program Facilitator
Mr. Azhar Naqvi has served as the Head Risk Management at Meezan Bank Limited, the largest
Islamic Bank in Pakistan, until recently.
Mr. Naqvi has a B.A. in Economics from Pomona College, California and has done graduate
study in Economics from Claremont Graduate School, California. He started his banking career
in Citibank and held various positions in both its overseas and local operations during his 17
years at the Bank.
Mr. Naqvi has an extensive experience in the establishment, propagation and maintenance of portfolio, credit
related standards for Citibank’s corporate/commercial businesses. Later on, Mr. Naqvi established a training & risk
management consultancy practice in Karachi. In this practice, he worked closely with many reputable financial
institutions enabling him to attain valuable expertise in conducting training courses in credit and risk management.
He has been associated with extensive training in New York, London, Singapore, Athens, Istanbul, Dubai, Cairo,
Prague, Karachi and Colombo.
Before joining Citibank, he worked as an Economist at the RAND Corporation in Santa Monica, California, USA and
taught economic theory and economic development courses at California State University.