Understand How Banks Structure and Approve Loans
13th November 2009, Legend Hotel Kuala Lumpur
Many businessmen have great vision for success, and do not try to teach them how to make money. No doubt, they really appreciate and understand the ways to execute their business plans. Often, they are public relation people and will leave the rudimentary of making smooth the operation of business to Accountants and Managers.
These people will go to greater height, if only they take efforts to plan effectively their finances. Accountants and Managers must lend their expertise to see their business operations effectively managed by translating them into dollars and cents.
From experience, it was found that these people usually failed to put their ideas, plans and targets convincingly when they meet bankers to seek for banking facilities. It is the intention of this motivator to show the SIMPLE ways and irascible manners on how bankers made their decisions to lend. Call them idiosyncrasies or red tapes, whatever, but please bear in mind that is the only path of doing business with them. Inevitably, it is also the aim of this motivator to show some decision making tools that can help everyone in the business to make more money.
What is this workshop all about?
This workshop is designed to show you how to work in cohesion with the banks to get banking facilities that support your business and at the same time provides you a business model/plan to guide you over the time.
The 10 Important Lessons you will learn during this 2 day workshop
Lesson 1: Types of Banking Facilities
- CASE SITUATION: Sri Katai Eng. Sdn Bhd
Lesson 2: Understanding Financial Statements
- Reviewing P & L Statement
- Assessing Balance Sheet
- CASE SITUATION: YYY Realty Sdn Bhd
Lesson 3: 5 Cs of Credit
- CASE SITUATION: Sri Katai Eng. Sdn Bhd
Lesson 4: Wary of Creative Accounting
- CASE SITUATION: Pembinaan Terus Sdn Bhd
Lesson 5: Current Account Statement
- CASE SITUATION: Cahaya PJ Construction Sdn Bhd
Lesson 6: Cash Management
- CASE SITUATION: R & B Development Sdn Bhd
Lesson 7: Effect on Investment
- Du Pont System
- CASE SITUATION: Perumahan Nilai Sdn Bhd
- CASE SITUATION: Detox Sensasi Sdn Bhd
Lesson 8: Purposes of Loan
- Loan Structuring
- Asset Conversion Cycle
- Determining Working Capital Requirements
- CASE SITUATION: Macoda Sdn Bhd
Lesson 9: Cash Flow Budget
Lesson 10: Legal Issues
- CASE SITUATION: Kayu Development Sdn Bhd
Why this workshop?
You will learn the practical tips & techniques from a previous loan manager that could provide you with solid advice
You will learn how to:
- Understand and review Financial Statements
- Appreciate 5 Cs of Credit Lending to shortlist
- Use Current Account Statement to gauge the performance of company
- Apply Cash Management Techniques to pile cash
- Learn Capital Decision Making Process to maximize returns
- Structure loan according to the company's financial requirements
AND ask as many questions as you want?
aGEE Lee has more than 22 years of experience in the commercial banking in Malaysia and has worked in Malayan Banking Berhad and seconded to Kwong Yik Bank Berhad in 1980 to set up a Legal Documentation Department.
He started as a trainee officer moving up to Branch Manager, Loan Manager managing Corporate and Commercial Loans and finally as Head of Loan Recovery Division bringing down NPLs to RM65m from RM800m.
He also worked in a property development company, then constructing a condominium and Nilai 3, for 2 years, and involved in a manufacturing company before working for 2 years in a construction company, executing federal contracts on roads, schools and colleges, in Kota Kinabalu, Sabah.
Besides marketing and approving the commercial loans, he was instrumental in setting up the Loan Recovery Section supervising about RM1.9b NPLs and was involved in structuring loans and lecturing modules on debt collecting and legal documentation on securities for 13 years.
His last appointment was with Hong Leong Bank Berhad in 2003/4 as Head of Remedial Management Department.
Agee Lee holds Honours Degree in Economics (major in Business Administration) from Universiti Malaya, Associate of Institute of Bankers (London), Diploma in Marketing Management (NPC) and Certificate in Financial Planning (MII).
He is now a Training Consultant for IBBM, MIA and Banks in Malaysia and Vietnam. Currently he has been giving talks on practical topics that will boost skills and confidence of participants.
What others have to say after they have attended aGEE workshop
“Informative and good personal experience from the speaker”
Wilson Wong, Schenker Logistics (M) Sdn Bhd
“Job well done”
Chong Kim Cheng, WRP Specialty Products (M) Sdn Bhd
“Relevance to the working environment and filled with examples”
Choo HC, Teck Ping Chan (1976) Sdn Bhd
“Overall session has gone with good presentation in improving planning & leveraging cash flow”
Mohd Asrizan, Neural Oilfield Service Sdn Bhd
“I like best about the discussion on real life cases during the session”
Munirah Othman, Selia Selenggara Selatan Sdn Bhd
Who Should Attend: Finance / Credit / Accounting Managers, Executives, Accountants, Finance Controllers, CFO, COO, CEO and Directors.
Workshop Size: Registration is strictly to the first 25 people. This cannot be altered. If the past is any indication of the future, spaces fill up very quickly. If you are interested in attending, call us now or download the registration form here and fax it back to us at ++6 03 40235716.
HRDF Claimable: This workshop is claimable under the HRDF SBL Scheme. Checks with your department to make sure you are eligible.
Tax Deductibility: In all likelihood this seminar is tax deductible. Check with your accountant to be sure.
Workshop Investment $$: RM 550.00 per delegates. This includes all workshop materials. Lunch will be provided.
Early Bird Offer!!
If you register yourself EARLY, you will enjoy a discount of 5%. For more information, please refer to the registration form here.
If you register in group of 3 persons or more, you will enjoy additional 5% discount, and if your group are 5 persons or more, you will get a much greater discount of 7%, and 10% discount shall be entitled for group of 8 persons or more. So get your friend or colleagues to register with you!
100% Satisfaction Guaranteed
We understand that some of you don't know us. That is why we make this workshop a 100% satisfaction guaranteed. If for any reason whatsoever you don't feel like you have received more than your money worth by lunch break, simply hand in your materials for a complete 100% refund. No weasel clauses, no hassles, no questions asked. We won't lie, as rarely we have to make refund to our participants; however it is our integrity which makes our business successful.
If you like what you have gone through so far, you may register yourself by downloading the full brochure here, and fax the registration form back to us at ++6 03 40235716. And if you happen to have some friends or colleagues who would like to have some understanding on how banks consider approving loans, please forward this link to them.
Tel: ++6 03 40216000
Fax: ++6 03 40235716