德勤-信用風(fēng)險管理-預(yù)覽頁
【正文】 Status, Line of Business – Guarantor, if any…same – Collateral, if any…true value explained – Other Support, if any... Legal or moral only – The Transaction…risks and mitigation – Amount, purpose, terms and conditions – Sources of repayment… clearly identified – Client payment history and relationship Appendix: Business Proposal Checklist Rationale and Analysis – Customer, Guarantor, Collateral, Support – Facility Description Amount, purpose, tenor, pricing, terms, conditions, covenants, restrictions etc. Consider affect on above . new leverage Facility Rating? – Repayment Capacity Future cash flow, conversion of assets etc. – Consistency with Credit Strategy and Policy Confirm, and identify any exceptions to policy, underwriting standards, or process Risk adjusted return acceptability Appendix: Business Proposal Checklist Client Relationship – Business strategy: increase, maintain or decrease exposure or exit relationship – Consider relation to rating, latest risk profile and payment performance – Customer profitability: risk adjusted return, revenue, fees, direct and allocated costs etc. – Any conflicts of interest or special concerns Appendix: Business Proposal Checklist Macro Analysis – Business Environment Review Customer’s petitive market position and future industry prospects: size, cycle, volatility, new entrants Strength of customer’s business and financial strategies – Management Evaluation: petency, experience and effectiveness Appendix: Business Proposal Checklist Customer Analysis – Company history, background, objectives and performance – Relevance and strength of future business plans Consider seasonality and scenario analysis – Primary and secondary sources of repayment – Historical financial capacity and analysis of future performance: sales, profitability, working capital, liquidity, cash flow, leverage, tangible worth etc. Quality of earnings Absolute and ratio analysis Peer parisons Appendix: Business Proposal Checklist Strengths, Weaknesses and Remendation – Key factors that could jeopardize collection: environment or pany specific – Any mitigating factors – Consider probability and impact – Consider all sources of repayment: primary, secondary and tertiary, including access to capital markets, refinancing etc. – Summarize strengths and weaknesses and conclude with a remendation 。 Risk Tolerance A plete and coherent risk management framework contains the following elements Credit Risk Management Reassessm ent Credit Strateg y amp。 terms Credit Analysis Credit Decisions Collections CREDIT POLICY Collateral acceptance Portfolio management Financial analysis Disposal / Risk mitigation Collateral management Customer management Exposure measurement Management reporting Exposure aggregation Recoveries Credit scoring Risk rating RISK MANAGEMENT Credit Risk Management’s Interrelated Activities Compliance Origination Reporting Transactions Credit Policies amp。Credit Risk Management Enhancing Your Bottom Line Ebrahim Shabudin Managing Director Deloitte amp。 Documentation Credit analysis Credit limit Pricing amp。 Data Integrity Credit Strategy am
教學(xué)課件相關(guān)推薦
鄂ICP備17016276號-1