PRUDENT LENDING TO MICRO, SMALL & MEDIUM ENTERPRISES (MSME)
Live-Online Training: N250,000
Classroom Training: N350,000
3 - 4 participants: 5% discount
5 or more participants: 10% discount
(Available also for Customised Training by Duration, Venue & Fee)
Course Contents
DAY ONE
How a Bank can Lead with MSME Business
- The formal definitions Micro, Small, and Medium Enterprises
- What do MSME clients want from a bank?
- Products range
- Staffing quality
- Delivery channels
- Credit pricing
- Technology
General Tenets of Profitable Lending
- Performing high volume lending
- Keeping down the average transaction cost
- Maintaining a healthy portfolio.
DAY TWO
Knowing Your MSME Customer (KYC)
- · Interviewing the MSME Business Applicants
Generating Information
- Business/Owner
– Initial Screening – questions asked? Information needed?
–Site Visits – questions asked? Information needed?
- Past Performance
- Other Sources
– Credit Score
– Accountant
– References
–Contingent liabilities
- Most Common Mistakes.
DAY THREE
Analyzing MSME Business Applications
- Constructing the Presented Financials
- Key Accounting Principles
- Constructing Financial Statements
- Principles of financial appraisals
- Interpreting Financial Statements
- Generating and Using “Non-financial” Information
- When often may businesses encounter problems?
DAY FOUR
Loan Structuring
- Long-term Needs & Ability to Repay
- Short-term Needs & Ability to Repay
- Equity contributions
Valuing Collateral
- Book value
- Cost
- Market value
- Liquidation
- Average value
- Guarantees
- Collateral perfection.
DAY FIVE
Loan Monitoring
- Loan Performance Review
- Prevention of Loan Losses
- Loan Workout
- Debt Recovery
- Legal Procedures.