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Credit Risk Analysis & Loan Portfolio Management

Training Credit Risk Analysis & Loan Portfolio Management

OVERVIEW Training Credit Risk Analysis & Loan Portfolio Management

Dalam industri perbankan, pengelolaan risiko kredit merupakan salah satu faktor utama yang menentukan kualitas aset, profitabilitas, dan keberlanjutan bisnis bank. Peningkatan kompleksitas bisnis, dinamika kondisi ekonomi, perubahan profil debitur, serta tekanan kualitas kredit menuntut bank memiliki kemampuan yang kuat dalam melakukan analisis risiko kredit dan pengelolaan portofolio pinjaman secara efektif. Analisis kredit yang akurat membantu bank dalam menilai kelayakan debitur, memitigasi potensi gagal bayar, serta menjaga kualitas loan portfolio agar tetap sehat dan produktif. Selain itu, pengelolaan portofolio kredit yang baik memungkinkan bank melakukan monitoring risiko, diversifikasi eksposur, serta optimalisasi return dan risk appetite.

TUJUAN Training Credit Risk Analysis & Loan Portfolio Management

1. Memahami konsep dasar credit risk management dalam industri perbankan.
2. Melakukan analisis kelayakan kredit terhadap calon debitur dan existing borrower.
3. Mengidentifikasi faktor risiko kredit dan potensi default.
4. Memahami teknik monitoring dan evaluasi kualitas portofolio kredit.
5. Menerapkan strategi diversifikasi dan portfolio risk management.
6. Memahami early warning signals dan mitigasi risiko kredit bermasalah.
7. Mendukung pengambilan keputusan kredit yang prudent dan berbasis risiko.

MATERI Training Credit Risk Analysis & Loan Portfolio Management

1. Introduction to Credit Risk Management
   • Konsep dasar risiko kredit
   • Credit risk framework in banking
   • Credit lifecycle overview
2. Credit Analysis Fundamentals
   • 5C/7C credit analysis
   • Borrower assessment
   • Industry and business risk analysis
   • Financial statement analysis for lending decisions
3. Loan Structuring & Credit Decision
   • Loan structure and facility types
   • Credit terms and conditions
   • Collateral assessment
   • Risk-based pricing
4. Loan Portfolio Management
   • Portfolio diversification strategy
   • Sector concentration risk
   • Portfolio monitoring and review
   • Portfolio quality indicators
5. Credit Risk Measurement & Monitoring
   • Probability of default (PD)
   • Loss given default (LGD)
   • Exposure at default (EAD)
   • Credit scoring and rating system
6. Problem Loan & Early Warning System
   • Non-performing loan (NPL) management
   • Early warning indicators
   • Watchlist monitoring
   • Loan restructuring strategies
7. Credit Risk Mitigation Strategy
   • Collateral management
   • Covenant monitoring
   • Credit insurance and guarantees
   • Risk mitigation planning
8. Reporting, Governance & Compliance
   • Credit reporting framework
   • Internal control and approval process
   • Regulatory compliance in credit management
9. Case Study & Practical Exercise
   • Credit proposal analysis
   • Loan portfolio review case
   • Problem loan handling simulation
   • Credit risk decision workshop

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Topik Training	: Credit Risk Analysis & Loan Portfolio Management
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