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NonPerforming Loan (NPL) Management Strategy

Training NonPerforming Loan (NPL) Management Strategy

DESKRIPSI Training NonPerforming Loan (NPL) Management Strategy

Dalam industri perbankan, pengelolaan kredit merupakan salah satu aktivitas utama yang berkontribusi besar terhadap profitabilitas dan pertumbuhan bisnis. Namun demikian, risiko kredit bermasalah atau Non Performing Loan (NPL) menjadi tantangan serius yang dapat memengaruhi likuiditas, kualitas aset, profitabilitas, hingga reputasi bank.

Tingginya rasio NPL dapat mengindikasikan lemahnya proses analisis kredit, monitoring debitur, collection strategy, maupun mitigasi risiko yang kurang optimal. Oleh karena itu, bank perlu memiliki strategi pengelolaan NPL yang komprehensif, mulai dari early warning system, remedial management, restructuring strategy, collection process, hingga recovery management.

TUJUAN Training NonPerforming Loan (NPL) Management Strategy

• Memahami konsep, penyebab, dan dampak Non Performing Loan terhadap kinerja bank
• Mengidentifikasi potensi kredit bermasalah melalui early warning indicators
• Menyusun strategi mitigasi dan pengendalian NPL
• Mengelola proses collection, restructuring, dan recovery kredit
• Menurunkan rasio NPL melalui strategi portfolio management yang efektif

MATERI Training NonPerforming Loan (NPL) Management Strategy

1. Fundamental of Credit Risk & NPL
2. Credit Process & NPL Prevention
   • Best practice proses analisis kredit
   • 5C dan 7P analysis
   • Due diligence debitur
   • Credit approval control
3. Early Warning System for Problem Loan
   • Identifikasi gejala awal kredit bermasalah
   • Monitoring account behavior
   • Financial distress indicators
   • Risk alert mechanism
4. Loan Monitoring & Credit Review
   • Portfolio monitoring
   • Periodic credit review
   • Collateral review
   • Site visit dan business monitoring
5. Collection Management Strategy
   • Soft collection techniques
   • Hard collection strategy
   • Negotiation skill for collection officer
   • Collection effectiveness measurement
6. Loan Restructuring Strategy
   • Prinsip restrukturisasi kredit
   • Rescheduling
   • Reconditioning
   • Restructuring scheme
   • Analisis feasibility restrukturisasi
7. Remedial & Recovery Management
   • Problem loan handling framework
   • Recovery strategy
   • Asset recovery management
   • Write off management
8. Legal Aspect in NPL Management
   • Legal documentation review
   • Debt recovery legal process
   • Collateral execution
   • Litigasi dan non litigasi strategy
9. NPL Portfolio Management
   • Portfolio risk analysis
   • NPL ratio improvement strategy
   • Sector risk concentration
   • Recovery target planning

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