Course Details
SME Financing & Credit Monitoring
SME Financing & Credit Monitoring

SME Financing & Credit Monitoring – New Tools for Credit Risk & Security Perfection as per Regulatory Requirements By 1. Imran Ahmed - Director, IH & SME Finance Department, State Bank of Pakistan 2. Sajjad Hussain Qureshi – Country Head Credit Administration – JS Bank

SME Financing & Credit Monitoring –
 
New Tools for Credit Risk & Security Perfection as per Regulatory Requirements
 By   
1.Imran Ahmed - Director, IH & SME Finance Department, State Bank of Pakistan
 
2.   Sajjad Hussain Qureshi – Country Head Credit Administration – JS Bank
 
Course Objective

SME sector plays a vital role in the overall industrial development of a country. SMEs constitute nearly 90% of all the enterprises in Pakistan; employ 80% of the non-agricultural labour force; and their share in the annual GDP is 40%, approximately. The role of State Bank of Pakistan (SBP) in promotion of SME sector is vibrant. Creation of a conducive, enabling regulatory environment and mandatory targets to commercial banks for financing to SMEs are few important steps taken by (SBP) in the development of SME sector in Pakistan.

CREDIT ADMINISTRATION FOR SME

  1. CAD specific functions and roles in SME finance in view of Prudential Regulations.
  2. Documentation and monitoring of any new products / program based lending
  3. Types of Securities.
  4. Security perfection for execution creation of mortgage, registration of charge with SECP and other authorities.
  5. Monitoring of customer’s account by ensuring timely recoveries of principal & markup.
  6. Adherence and completion all terms and conditions of credit approval.
  7. Administering the credit process and action plan, using the credit controls.
  8. Critical Controls over Financing against Mortgage.
  9. Process and Controls for Pledge of Stocks.

 

Why should the seminar be attended? 

The seminar should be attended because of the critical importance of the subject requiring en-masse understanding. The vastness of the subject cannot be addressed in a one day seminar hence the trainers would remain focused on the specific regulations, changes as well as wide ranging risk based implications. There would be two trainers, one from the State Bank of Pakistan who was part of the PR development team and one from the financial industry, a banker, who would focus on the practical aspects of the PRs, Products and relevant loan documentation aspect

For Registration: Sana Khan 0322-4857738 email: sanakhan.delsons@live.com

Javed Qureshi 0345-2166011 email: javed.dellsons@gmail.com

Who Should Attend

• Credit Analysts • Credit administrators (Officials of CAD departments) • SME Relationship Managers • Branch Managers • Credit Risk Managers • Risk Management Officials • Internal & External Auditors • Compliance officials • Teachers of business schools interested in the subject.

1.Introduction and Overview of SME Sector in Pakistan.

2.Impact of general macro variables on a SME's performance.

3.Key Components of Credit Analysis.

Purpose: Identify the type of borrower and use of funds.

Payback: Link primary and secondary sources of repayment.

Risks to Repayment: Current market conditions and their impact on risk assessment due to key macro, sector and/or company specific considerations.

Structure: Assess the appropriateness of the debt structure to meet the commercial needs of a company while protecting lenders' interests.

Case Study: Identification of Risks in various Business Sectors.

4.Prudential Regulation for SME and its effects on SME Sector.

5.Credit Scoring.

6.Financial Analysis of SMEs (New Tools)

Cash Flow Analysis

Balance Sheet, Income Statement

Working capital management: Definition and impact on cash flow (SBP requirements)

Cash budgeting to quantify the impact of supplier and buyer credit terms on the financial health of an SME

Commodity exposures: Impact on working capital management and operating margins

Capital expenditures and future investment needs

Ratio and cash flow indicators to evaluate asset efficiency and estimate free cash flow

 

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