Non-Performing Loans (Debt Recovery Management)
Any bank is always faced with non-performing loan (NPL) risk due to its main function as a financial intermediary. Various efforts have been made by banks to avoid the NPL. However, due to various reasons in business environment or debtor’s management ability, any bank continues to experience NPL. This program is designed to improve credit officials’ competence in order to gain benefits, among other things, improvement of ability in diagnosing various causes of NPL, understanding on alternative restructuring schemes, selection of exact alternative scheme, and ability in monitoring the implementation of NPL restructuring, ability to improve debtor’s performance from NPL category to resume to be current as well as to support bank in achieving the target of NPL decrease.
• Define non-performing loans and the indicators of non-performing loans.
• Explain the banking treatment of non-performing loans and non-performing investment projects.
• Explain the principles of borrower credit ratings and provisioning.
• Explain the lessons learned from classified loans.
• Learn on the speed that banks can enforce their terms and collaterals and securities
• Work around these guidelines to your advantages, rather than the customers’ preferences
• Expect the worst that the banks can do to recover the non-performing loans from customers and their guarantors
• Ready to negotiate with the customers confidently, rather than be threatened or abused
• Discuss the legal aspects of working with non-performing loans.
• Understand alternative approaches to NPLs management and recovery structures
• Understand different NPLs recovery strategies/techniques
• Understand accounting treatment of non-performing loans and loan loss provisioning
• Understand IFRS 9 accounting standard for NPL management
• Prepare effective financial models utilizing powerful Excel functions
• Use core financial modeling techniques
• Forecast investments, and calculate valuations of projects and companies in an effective manner
• Develop comprehensive financial models to support investments decisions
• Accounts Payable Managers/ Officers
• Accounts Receivables Managers/ Officers
• Assistant Accountant
• Financial Controllers
• Financial Managers
• Payroll Officers
• Internal Auditors
• Manager Expenditure
• Manager Revenue
• Credit Managers
• Loan Officer
• Debt Collectors
• Risk Managers
• Project Accountants
NQF Level 5, 20 Credits towards a Higher Certificate in Management.
A Competency certificate can be earned, subject to successful completion of the POE/ Assessment in the specified period stipulated at the event. If a participant chooses not to complete the assessment, he/she will receive a certificate of attendance only.
Our Accreditation Partner
In terms of the Higher Education Act, all courses and programmes offered by Business Schools resort under the Council on Higher Education’s Quality Committee (CHE QC) for assessment and quality-assurance purposes. All courses offered by Southern Business School are registered through the prescribed higher education processes and are subject to internal quality assurance processes as far as moderation, assessment and accreditation are concerned. When short courses are aligned to modules of formal academic programmes of Southern Business School, or SAQA Registered Unit standards, they are credit-bearing short courses. This status is also described in the Criterion Guideline document for Short Courses” from SAQA
Louis CraffordB Compt, Honors B Compt, (CA) SA
B Compt, Honors B Compt, (CA) SA