Date: April 12, 2011

9:30 AM to 4:00 PM

Fee: Rs. 10 ,000/- (per participant)

(Including Course Material, IoBM Certificate,
Lunch & Refreshments)

A One-Day Workshop on Venue: Management Excellence Center

Institute of Business Management
One-Day
One-Day Open
Open Workshop
Workshop Korangi Creek, Karachi

DIPLOMA
CREDIT RISK
IN HR
MANAGEMENT
MANAGEMENT
SATURDAY MARCH
TUESDAY, APRIL 5,2011
12, 2011

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MANAGEMENT MANAGEMENT MANAGEMENT MANAGEMENT MANAGEMENT
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MANAGEMENT

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CREDIT RISK
MANAGEMENT MANAGEMENT MANAGEMENT MANAGEMENT MANAGEMENT
MANAGEMENT

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CREDIT RISK
MANAGEMENT MANAGEMENT MANAGEMENT MANAGEMENT
MANAGEMENT

CREDIT RISK CREDIT RISK CREDIT RISK CREDIT RISK

MANAGEMENT MANAGEMENT MANAGEMENT MANAGEMENT
Corporate Governanc
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Rhetoric to Rigor...
CORPORATE
GOVERNANCE
 8 Loan monitoring & problem recognition

9 Unforeseen credit risks: a case study on political risk

10 Organizational structure, systems & procedures and

controls to support a proper credit environment. Gap
Analysis

11 Role of corporate communication, service quality &

Rationale
The banking sector in Pakistan is infected with
growing Non Performing Loans (NPLs) which have
exceeded Rs. 490 billion, a large figure by any
yardstick. These NPLs pose a constant looming
threat to banks’ earnings, which can be
significant. It is therefore imperative for banks to
minimize NPLs to reduce the adverse impact on
their P&L accounts and balance sheets. This is all
the more critical in view of the prevailing
economic environment which also affects the
banks’ business profitability and stability. With
this objective in mind, the seminar aims to
reinforce the benefits of a structured credit
process and lending approach with details to
reduce probability of loan defaults and improve
loan portfolio quality.
values to alleviate credit risk, besides Islamic Finance
Principles
12 Q & A, Group discussion to summarize seminar
Participant Profile
1 Should have some finance background and preferably
MBA
2 2 – 3 years lending experience required either in a
Credit position or as Corporate Relationship Manager
in a financial institution and also suitable for loan
examiners to help evaluate credit process of a bank
3 Must be willing to actively participate as the seminar
will be interactive, with people sharing their
experiences

Outline Objectives

1 Reinforce the importance of a proper credit culture &

1 Present day local & international credit/NPLs
credit analysis for lending decisions in a practical
scenario: a situational analysis
environment with no shortcuts in the credit process
2 Change Management – a need for change in
2 Ensure that proper tools for credit process & analysis
credit culture & its impact
are followed with balance between profit objectives
& a sound loan portfolio
3 The Credit Process & Target Market – aligning
strategic goals with the bank. Balancing Risk &
Reward

4 Various credit risks – Corporate, FIs, SMEs,

Consumer, Treasury

5 Rating Agencies views and other credit

supports

6 Credit Analysis techniques & Credit packages.

Direct & Contingent Risks

7 Project Finance: a higher risk

Learning Outcomes
The participants should be able to:

1 Assign a greater priority to proper credit criteria versus ambitious profit objective and take a long term view
with a balanced judgment in the interest of their Institutions

2 Understand the critical importance of identification, measurement & evaluation of credit risk

3 See the benefit of a structured credit process and lending approach to improve on credit presentations and
loan structuring. This will help them evaluate the quality of their credit process and identify gaps to rectify

4 Learn from Instructor’s & each others’ lending experiences through cross fertilization of ideas to take back
to their workplace

Institute of Business Management

IoBM (CBM) has been rated as one of the top universities in the private sector by the Higher Education
Commission of the Federal Government. The Management Excellence Center of IoBM is driven by the passion of
enhancing professional capabilities & skills of the corporate sector in Pakistan. It offers an overarching range of
training programs & interaction opportunities with the excellence & rigor that is designed to add substantive value
to an organization.

Facilitator’s Profile
S. Fahim Ahmad
Mr. Fahim has worked with Citibank & Amex in Pakistan & Middle East besides 3 local
institutions. His significant experience spans Corporate & Investment Banking, Treasury,
Financial Institutions, Training, Credit Administration & Strategic Advisory plus witnessing
upturns & downturns in the business cycle. This experience also includes working as a
Corporate Treasurer coordinating a large complex project finance & equity structure of
$ 1.6bn, involving over 30 banks and a GDR and local equity issue.

He has served on the Boards of Banks and was a member of the Prime Minister’s
Committee on long term finance, besides being a member of 3 Clubs’ Finance sub-
committees. Over the years, he has developed a broad based marketing & lending
experience to share through publishing articles on Credit and conducting seminars.
 Date: April 12, 2011
9:30 AM to 4:00 PM

Fee: Rs. 10,000/- (per participant)

(Including Course Material, IoBM Certificate,
Lunch & Refreshments)

Venue: Management Excellence Center

Institute of Business Management
One-Day
One-Day Open
Open Workshop
Workshop Korangi Creek, Karachi

CREDIT
DIPLOMARISK MANAGEMENT
IN HR MANAGEMENT
SATURDAYAPRIL
TUESDAY, MARCH12,5, 2011
2011

REGISTRATION FORM Registration Form

Please answer all questions. Form must be duly completed and signed.

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Management Excellence Center

Institute of Business Management
Korangi Creek, Karachi-75190, Pakistan
Telephone: (+92-21) 111-002-004, Ext. 217, 269 or 282
Fax: (+92-21) 3509-1907, Email: mec@iobm.edu.pk
Website: http://www.iobm.edu.pk