This presentation has eight sections: 1) Credit Culture & The Risk Management Process; 2) Due Diligence & Data Expectations; 3) Underwriting & Credit Analysis Concepts; 4) Financial Analysis & Cash Flow Concepts; 5) Credit Structuring & Covenants; 6) The Risk Rating Process, Monitoring and Early Warning Signs; and 8) Asset-Based (Formula) Lending. It refers to handouts that are also included in this series.
The focus of this fraud awareness presentation includes: definition of fraud, occupational fraud and white collar crime; fraud awareness, detection and prevention; potential fraud indicators; and examples of fraud cases. The presentation was adapted from a fraud awareness presentation titled "How to Identify and Catch a Thief in the Workplace," developed by Susan Mondello, deputy chief audit officer and associate director, University Auditing and Advisory Services, Georgia State University, Atlanta, GA, USA.
The presentation gives background about deposit insurance systems in the MENA region, including implications of implicit and explicit deposit insurance, and design features of existing deposit insurance systems.
This questionnaire accompanies the presentations on developing examiner guidelines. It includes questions on the risk factors relating to fraudulent financial reporting and risk factors related to misappropriation of assets.
This questionnaire accompanies the presentations on assessing the adequacy of bank internal controls. It includes questions on the components of internal control, review procedures, monitoring, audits and more.
The presentation focuses on the principles of bank risk management, core objectives, the "vicious cycle" of risk, components of an effective risk management process, a risk management framework and risk philosophy.
Topics of discussion in this anti-money laundering presentation include: definition of money laundering, how it is accomplished, legal considerations and reporting requirements, red flags and information resources. It includes a summary of U.S. and international laws, as well as details about customer identification programs (CIP).
This extensive presentation covers a full two-day workshop. The first day focused on the risk management process, credit culture and asset quality; borrowing causes; information and data needs; special challenges with small businesses; sources of repayment; and cash flow. The second day included discussion of developing a common analytical focus; projections and sensitivity analysis; non-financial risk dimensions; credit facility structuring; loan monitoring; dealing with problem loans; and credit risk ratings.
This handout accompanies the Valuation presentation and covers potentially unfamiliar terms found in termsheets and/or legal documents, such as lead investor, share purchase agreement and disclosure schedule.