Advanced Credit Analysis & Structured Finance: Strategic Credit Assessment, Financing Structuring and Risk Mitigation
Advanced Credit Analysis & Structured Finance: Strategic Credit Assessment, Financing Structuring and Risk Mitigation
Deskripsi
Pelatihan ini dirancang untuk meningkatkan kompetensi profesional perbankan dalam melakukan analisis kredit secara advanced sekaligus memahami konsep structured finance untuk transaksi pembiayaan yang kompleks. Peserta akan memperdalam kemampuan dalam menilai kesehatan keuangan debitur, kemampuan menghasilkan dan membayar kembali utang, business risk, industry risk, cash flow, struktur permodalan, serta berbagai faktor yang memengaruhi kualitas kredit.
Selain aspek credit analysis, pelatihan membahas teknik credit structuring, penentuan tenor dan repayment structure, covenant, collateral, credit enhancement, risk allocation, serta penyusunan struktur pembiayaan yang sesuai dengan karakteristik transaksi dan profil risiko debitur. Pendekatan studi kasus digunakan untuk membantu peserta mengintegrasikan hasil analisis menjadi keputusan kredit dan struktur pembiayaan yang prudent.
Tujuan
- Menganalisis kelayakan dan kualitas kredit secara lebih mendalam.
- Mengevaluasi financial, business, industry, dan cash flow risk debitur.
- Mengidentifikasi red flags dan early warning signals.
- Menyusun struktur pembiayaan yang sesuai dengan karakteristik debitur dan transaksi.
- Menentukan covenant, collateral dan credit enhancement yang tepat.
- Melakukan risk mitigation pada transaksi pembiayaan kompleks.
- Menghasilkan rekomendasi kredit yang lebih prudent dan berbasis risiko.
Materi
- Advanced Credit Analysis Framework
- Konsep dan prinsip advanced credit analysis
- Credit assessment framework
- 5C/7P dan pendekatan modern credit analysis
- Qualitative dan quantitative credit assessment
- Creditworthiness dan lending decision
- Comprehensive Financial Statement Analysis
- Analisis neraca, laba rugi dan arus kas
- Financial ratio analysis
- Profitability, liquidity dan solvency analysis
- Capital structure analysis
- Trend dan comparative analysis
- Identifikasi financial weakness
- Advanced Cash Flow & Debt Service Analysis
- Cash flow generation analysis
- Operating cash flow assessment
- Free cash flow analysis
- Debt service capacity
- DSCR dan cash flow coverage
- Debt repayment capacity
- Business & Industry Risk Analysis
- Business model assessment
- Competitive position
- Industry attractiveness dan cyclicality
- Market dan customer concentration
- Supply chain risk
- Business sustainability
- Credit Risk Identification & Early Warning Signals
- Identifikasi credit risk drivers
- Financial dan non-financial red flags
- Deteriorating financial performance
- Early warning indicators
- Default risk assessment
- Watchlist dan remedial considerations
- Advanced Credit Scoring & Risk Assessment
- Credit scoring dan rating
- Internal credit rating
- Probability of Default (PD)
- Loss Given Default (LGD)
- Exposure at Default (EAD)
- Expected Credit Loss (ECL)
- Financial Modeling for Credit Analysis
- Penyusunan financial projection
- Revenue dan cost assumptions
- Cash flow projection
- Debt repayment projection
- Sensitivity analysis
- Scenario analysis
- Credit Structuring Principles
- Konsep credit structuring
- Matching financing structure dengan kebutuhan debitur
- Tenor dan repayment structure
- Grace period
- Amortization structure
- Sources and uses of funds
- Structured Finance Fundamentals
- Konsep dan karakteristik structured finance
- Structured lending vs conventional lending
- Transaction-based financing
- Asset-based financing
- Cash flow-based financing
- Risk allocation dalam structured finance
- Advanced Structured Financing Techniques
- Project finance
- Acquisition finance
- Working capital structured financing
- Trade finance structures
- Receivables financing
- Asset-backed financing
- Collateral & Credit Enhancement
- Collateral assessment
- Security structure
- Guarantees dan third-party support
- Cash collateral
- Credit enhancement mechanisms
- Recovery value dan collateral coverage
- Covenants & Structural Protection
- Financial covenants
- Non-financial covenants
- Maintenance dan incurrence covenants
- Covenant monitoring
- Breach management
- Structural protections dalam kredit
- Risk Mitigation & Transaction Structuring
- Identification of key transaction risks
- Risk allocation
- Risk mitigation techniques
- Diversification dan concentration management
- Credit enhancement
- Structuring for downside protection
- Stress Testing & Scenario Analysis
- Stress testing methodology
- Downside scenario
- Interest rate dan exchange rate sensitivity
- Revenue decline dan cost escalation scenarios
- Debt service stress testing
- Break-even analysis
- Integrated Credit Decision & Case Study
- Comprehensive borrower assessment
- Financial dan cash flow analysis
- Business dan industry assessment
- Designing financing structure
- Credit terms dan conditions
- Penyusunan credit recommendation
Peserta
Divisi Credit Analysis
Divisi Kredit
Divisi Structured Finance
Divisi Corporate Banking
Divisi Credit Risk
Divisi Risk Management
Divisi Loan Structuring
Metode
• Pre Test
• Presentasi Materi
• Diskusi
• Studi Kasus
• Post Test
Fasilitas
• Training Amenities
• Peralatan Pelatihan (Tas, Hand Out, Block Note, Pulpen, Watermark)
• Sertifikat
• Souvenir
• 2x Coffee Break, 1x Lunch