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Financing Application: Lenders' Perspective
 

                      Financing Application: Lenders' Perspective

                                       A 2 DAY WORKSHOP

 

 

 

Programs include:

 

1) Strategic Business Planning & Management

 

2) Strategic Working Capital Management

 

3) Predictors of Impending Business Failure

 

4) Financing Application: Lenders' perspective

 

5) Strategic Cost Saving-Business Process, Cash & Total Cost Approach

 

6) Business Accounting & Finance for Non-Financial Specialist

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Introduction
Obtaining financing requirements to meet the various business needs from time to time can be a major problem due to incongruence of risk portfolios between the organization and the potential financial provider. However, the know how in the approach to minimized if not close this risk congruence gap, will enhance the chances of getting the required financing facilities.
 
 
Purpose of the workshop
The purpose of this workshop is to equip participants with the necessary knowledge, to minimize the gap of the risk portfolios between the organization and the potential lender, from the lenders perspective.
 
 
Objectives
At the end of this workshop, participants will be able to:
1.                  Prepare their submissions to the lender for financing application in a language more soothing to their ears.
2.                  Increase their changes of securing their financial needs from time to time.
3.                  Applying the lenders way of prudence management for their company.
 
 
Workshop outline
a)               Types of Financing:
                                    i.         Working Capital purpose
                                   ii.         Capital expenditure for expansion
                                 iii.         Bridging Finance (Development Financing)
                                 iv.         Infrastructures Financing
                                  v.         Transactional Financing
                                 vi.         Seasoning financing
 
  
b)              Facts Analysis
                                  ii.          Management Competence & Integrity
                                iii.          Suppliers and Customers credit terms and Collections
                                iv.          Nature of the product, business processes and operating/investment cycle
                                 v.          Competitiveness of the industry
                                vi.          Repayment Possibilities
                              vii.          Accounting Doctrine, Principles and Policies
                             viii.          Earning Capacity
                                ix.          Financial Affairs
                                 x.          Liquidity position
 
 
c)               Risk Analysis
i.               Types of business and the role of the borrower in the industry.
ii.             What value added, Industry and Market.
iii.            Management and Shareholders profile
iv.           Political / Regulatory
v.             Fund Diversion
vi.           Downsizing, Cost overrun, delays..
vii.          Business Position, Concentration & Performance
viii.        Collateral Risk
 
d)              Competitive Strategies and SWOT analysis
 
e)               Auditors report and notes to the accounts
 
f)                Quantitative Financial Analysis – ratios and trends
i.               Liquidity / Solvency
ii.             Profitability
iii.            Efficiencies / Assets Management
iv.           Gearing
v.             Debt Service
 
g)               Financial Statement – Overview analysis.
i.               Profit and Loss Account
ii.             Balance Sheets (including on B/S items, off B/S items and post B/S items).
iii.            Cash Flow Statement
iv.           Creative Accounting
v.             Prospective profitability, liquidity and gearing position.
vi.           Goodwill
  
 
h)               Securities
i.               Properties
ii.             Debentures
iii.            Fixed Deposits / Margin Deposits
iv.           Shares and Unit Trust, Standby Letter of Credit,
v.             Assignment  - Insurance Policies, etc.
vi.           Personal Guarantees & Indemnities
 
 
i)                 Other support
i.               Letter of comfort, Letter of Awareness
ii.             Subordination of loans
iii.            Negative Pledge
iv.           Agreements / Covenants.
 
 
Workshop Deliveries Methods
Participative and active. On top of presentation by the Trainer/Facilitator, participants get to have a chance to work on his/her own as well as through group discussions on exercises and case studies.
 
 
Who should attend?
All organizations’ Financial Controller, Finance Managers, Accountants, Financial and/or Accounting Executives and all others who are involved in the preparation for application of finance needs to the potential lenders for their evaluations.
 
 
Cost:       
RM1,500 per participants,   Early Bird rate:  RM1,300 per participants
 
 
Certificates of Attendance
Certificate of attendance with the Logo of “Haines Centre for Strategic Management” will be given upon completion of the workshop.

 

 

 
 
 
 
  
 
 

 

Dr. TAN KOK TEE,  is a Gold Mastery Certificate recipient in Strategic Management from the Haines Centre for Strategic Management®, USA, under its certification program sponsored by the University of San Diego. He is one of the Principals of the Haines Centre for Strategic Management®.

 
Haines Centre for Strategic Management® is a Global Alliance of Master Consultants, Trainers, Coaches and Facilitators, headquartered in USA, specializing in the Systems Thinking ApproachTM to strategic management. Today, the Haines Centre for Strategic Management® has facilitated and trained countless executives/managers including CEOs and Directors in Strategic Management and consulted by numerous organizations of various sizes in their Strategic Management matters.
 

Kok Tee, is also a Fellow member of the Association of International Accountants, UK (one of the 5 professional accountancy bodies in UK and EEC qualified to be external auditors for PLCs). He also holds an MBA – Finance, from the Charles Sturt University, (CSU) Australia.

 
His other professional memberships included being a member of the Malaysian Association of Company Secretaries, a body prescribed under the Malaysian Company’s Act to practice as Company Secretary.
 
Kok Tee has a total of more than 35 years of working experience, of which 25 years were at senior management level, in commercial enterprises of different sizes and industries such as manufacturing, marketing and distribution, construction and quarrying, and services industries.   During the course of his work, he has acquired invaluable experience and knowledge in the area of Accounts & Finance, Risk and Control, Business Administration, Management Principle and Practice, Business Process Management and improvement, Annual Strategic Planning and Management, Working Capital Management,  Debt Collection Technique, Stock Management, Cost Saving Programs and Customers Service Management.
 
The sharing of his more than 25 years of knowledge, skill and real life practical experience gained at senior management level through his workshops, In-House Training/Facilitating and Consulting will benefit many managers in the above mentioned areas. 
 
Kok Tee is also a member of the Malaysian Association of Professional Speakers, a qualified HRDF (Ministry of Human Resource, Malaysia) trainer, an In-House trainer/facilitator for 3˝ years and an ad hoc lecturer/facilitator for IGS/CSU MBA-Finance program for 10 months.


 
 
 
 
   
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Seminars rendered to companies across Asia and other parts of the Globe