Effective Corporate Credit Analysis (Master level)

2 Days Workshop

Introduction

The primary goal of this workshop is to help professionals who have some knowledge in finance and accounting in developing sound financial knowledge to read and understand financial reports. Real-current problematic finance & business cases will be analyzed and scenario solutions will be discussed in the workshop.

Course Objectives                                                                                                                                   
By the end of this course you will be able to:

  • Review AR Aging Analysis

  • Identify Solution to Burning issues in collection

  • Review Collection Strategies

  • Analyse Financial Ratios & Credit Evaluation  Analysis

  • Understand Risk Modelling Skills & financial impact

  • Assess Credit analysis & profiling customers

  • Apply comprehensive companywide Collection risk Model

  • Understand Thinking Out Of Box Collection Strategies

Methodology

Case Study & Group Discussion. 

Who Should Attend

Entrepreneurs, Bankers, Accountants, Finance managers, CFO, Business Managers, Marketing Managers & Accounting Supervisors

Special Feature: NOTE: Please bring laptop along

Programmed Outline

Day 1

Module 1: AR Aging Analysis

  • focus areas- all overdue accounts

  • focus on converting overdue accounts to current status

  • review effective of current collection manpower

  • review % of dedicated to collection efforts

Module 2: Solution to Burning issues in collection

  • Customer change ownership

  • Uncontactable or Missing customers

  • Contactable-but cannot afford to pay

  • Avoid payment with thousand reasons

  • Interference from top management on collection section

  • Customer delay payment purposely

  • Incomplete document

  • Financial /Cash flow problem

Module 3: Review Collection Strategies  

  • Stringent evaluation Policy ( Altman Z score)

  • Adherence & review SOP

  • Top Management commitment & hands approach

  • Review Credit Division manpower & skills calibre

  • Apply collection strategic management framework

Module 4: Financial Ratios & Credit Evaluation Analysis (Predicting Business Failure)

  • Learn how to size up a company quickly by reading their financial ratios 

  • Liquidity 

  • Solvency 

  • Efficiency 

  • Profitability 

  • Asset Management 

  • Assessing drivers of company profitability and growth:- 

  • Operations and investment strategies : operating and investment management 

  • Measuring the 'Fiscal-Fitness' of a company: The Altman Z-Score

Credit Evaluation & Monitoring 

  • Importance of Credit Evaluation & Monitoring

  • Criteria For Approval Or Rejection 

  • Setting the Credit Limit

  • Monitoring Customer Account  

  • Group exercises


Day 2

Module 5: Apply Comprehensive Company Wide Collection Risk Model (Case Study) (Part 1)

  • Potential risk

  • Quantify Collection impact

  • Review Pre mitigation ( Collection impact)

  • Mitigating Collection strategies & controls

  • Post Mitigation ( collection impact)

Module 6: Apply Comprehensive Company Wide Collection Risk Model  Case Study) (Part 2) 

  • Quantify Financial Collection improvement

  • Quantify possible Cost increase in collection strategies

  • Quantify Cost/benefit Benefit in post collection mitigation strategies

  • Decision Summary recommended

  • Calculate ROI 

  • Ranking ( priorities collection efforts)

Module 7: Thinking Out Of Box Collection Strategies

  • Negotiation

  • Monitoring

  • Collection

  • Outsourcing

  • Revaluation

  • Legal

Module 8: Application 

Planning

  • Identify all the collection burning issues & 

  • Identify all the solutions or alternative plans 

  • Identify the KPI to the solutions

Execution

  • Identified Person in Charge (PIC) to achieve the Collection KPI

  • Put in place a Monitoring Program  

Evaluation

  • Identified all the challenges/barriers faced by the PIC

  • Removing the barriers by providing action plan

Managing Debt Collection & Legal Strategies

Debt Collection & Legal Process for Healthcare Industry

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