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Legal Aspect in Credit Agreement and Collateral

Training Legal Aspect in Credit Agreement and Collateral

DESKRIPSI Training Legal Aspect in Credit Agreement and Collateral

Dalam aktivitas bisnis perbankan, pemberian kredit merupakan salah satu core business yang memiliki kontribusi besar terhadap pendapatan bank, namun juga mengandung risiko hukum dan risiko kredit yang tinggi. Oleh karena itu, penyusunan perjanjian kredit dan pengelolaan jaminan (collateral) harus dilakukan secara tepat, akurat, serta sesuai dengan ketentuan hukum dan regulasi yang berlaku guna meminimalkan potensi sengketa, wanprestasi, maupun kredit bermasalah.

Pelatihan Legal Aspect in Credit Agreement and Collateral meningkatkan pemahaman peserta mengenai aspek hukum perjanjian kredit, dokumentasi legal, pengikatan jaminan, analisis risiko hukum, serta strategi mitigasi risiko dalam proses kredit perbankan. Pelatihan ini dirancang bagi praktisi perbankan, legal officer, credit analyst, collection, dan risk management yang terlibat dalam proses pembiayaan dan pengelolaan kredit.

TUJUAN Training Legal Aspect in Credit Agreement and Collateral

• Memahami aspek hukum dalam proses pemberian kredit
• Menyusun dan menganalisis perjanjian kredit secara legal dan komprehensif
• Memahami jenis dan mekanisme pengikatan collateral
• Mengidentifikasi risiko hukum pada kredit dan jaminan
• Melakukan mitigasi risiko hukum kredit bermasalah

MATERI Training Legal Aspect in Credit Agreement and Collateral Training Legal Aspect in Credit Agreement and Collateral

1. FUNDAMENTAL OF CREDIT LEGAL FRAMEWORK
   • Konsep dasar hukum perbankan dan perkreditan
   • Prinsip kehati-hatian dalam pemberian kredit
   • Regulatory framework kredit perbankan
   • Legal risk in lending process
2. CREDIT AGREEMENT STRUCTURE
   • Definisi dan unsur perjanjian kredit
   • Klausul utama perjanjian kredit
   • Rights and obligations para pihak
   • Default and event of default clause
   • Representations and warranties
   • Covenant structure
3. LEGAL DOCUMENTATION IN CREDIT PROCESS
   • Credit approval documentation
   • Legal due diligence
   • Document checklist
   • Legal opinion
   • Documentation risk management
4. COLLATERAL MANAGEMENT
   • Konsep collateral dalam kredit
   • Jenis-jenis jaminan
     • Tanah dan bangunan
     • Kendaraan
     • Inventory
     • Piutang
     • Corporate guarantee
     • Personal guarantee
5. SECURITY BINDING MECHANISM
   • Hak Tanggungan
   • Fidusia
   • Gadai
   • Hipotek
   • Cessie
   • Personal & Corporate Guarantee
6. COLLATERAL VALUATION AND MONITORING
   • Penilaian jaminan
   • Appraisal process
   • Monitoring collateral value
   • Insurance requirement
   • Legal perfection of security
7. NON PERFORMING LOAN LEGAL HANDLING
   • Legal action for default customer
   • Debt restructuring legal aspect
   • Collection legal process
   • Litigation and non litigation settlement
   • Collateral execution strategy
8. LEGAL RISK MITIGATION
   • Early warning system
   • Preventive legal strategy
   • Documentation audit
   • Compliance review
9. CASE STUDY & WORKSHOP
   • Review perjanjian kredit
   • Analisis kasus kredit bermasalah
   • Simulasi legal documentation dan collateral binding

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