Non-Performing Loans and Debt Recovery Management (Online Training)
S&P Global Ratings predicts non-performing loans will rise to four times the figure for 2019 on the balance sheets of commercial banks due to COVID 19. Banks are always faced with non-performing loan risk due to its main function as a financial intermediary. Various efforts have been made by banks to avoid NPL. However, due to various reasons, including the COVID 19 Pandemic and debtor’s management, any bank continues to experience NPL. This training will focus on how to use NPL guidelines to your advantage, understanding what banks can do to recover the non-performing loans from customers and their guarantors. Alternative approaches to NPLs management and recovery structures, understanding on alternative restructuring schemes, 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 decreases.
- Define non-performing loans and the indicators of non-performing loans
- Criteria for the Classification of Non-Performing Loans – Including COVID 19
- Explain the principles of borrower credit ratings and provisioning
- Determine the speed that banks can enforce their terms and collaterals and securities
- Use NPL guidelines to your advantages, rather than the customers’ preferences
- What banks can do to recover the non-performing loans from customers and their guarantors
- Negotiate with the customers confidently, rather than be threatened or abused
- Alternative approaches to NPLs management and recovery structures
- Understand different NPLs recovery strategies/techniques
- Understand IFRS 9 accounting standard for NPL management – Including COVID 19
- Corporate bankers
- Business development analysts
- Credit controllers
- Risk management professionals
- Corporate finance professionals
- Investment professionals
- Financial controllers
- Finance managers
- Financial analysts
After successful completion of the course and assignment the participants will receive a certificate of competence issued and accredited by Southern Business School, which carries 5 credits towards the Diploma in Management (NQF level 6).
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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
Johan has 12 years’ experience in the banking environment. He started his career at a prominent Bank Group as an Analyst in the Treasury Asset Liability Management division. He was responsible for Interest Rate Risk Analysis dealing with South African Reserve Bank and Financial Services Act reporting and governance. Part of his duties were to Participate in Rating Agencies simulations as well as model design and implementation for ALM (Asset and Liability Management). Johan was promoted to Test Manager in 2013, his duties included the design, oversight, and management of overall QRM (Quantitative Risk Management) testing process for the bank, Interest Rate and Liquidity Risk coverage for South Africa and Africa entities.
Johan is currently the Senior Quantitative Risk Manager and Business Analyst where he is responsible for QRM model implementation and enhancement for Asset Liability Management (ALM) and Funding Lending Management.
Louis CraffordB Compt, Honors B Compt, (CA) SA
B Compt, Honors B Compt, (CA) SA