Venue : Beaufort Hotel Singapore

Singapore Association of Credit Management

(Registered in the Republic of Singapore since 1981) ______

Date: 11 August 2017

Dear Members,

CREDIT MANAGEMENT IN TURBULENT TIME WORKSHOP

SACM is pleased to inform you that we will be conducting a 1 Day workshop on Friday, 13 October 2017. The details are as follows:-

Title : CREDIT EVALUATION WORKSHOP

Venue : Furama City Centre Singapore 60 Eu Tong Sen Street Singapore 059804 Nearest MRT: Chinatown and Clark Quay.

Venue is subject to change depending on space availability of the hotel

Fees : Members - $300.00 nett Non-Members - $350.00 nett

Lunch plus 2 tea breaks provided

Program : Registration : 8.45 to 8.55 am Workshop : 9.00 to 12.15 pm Break in between Lunch : 12.15 to 1.45 pm Workshop : 1.45 to 4.00 pm Break in between Case studies & Q & A : 4.00 to 4.30 pm End : 4.30 pm Above are indicative timing, subject to changes.

Trainers : SACM board members, experienced credit practitioners.

Kindly indicate your attendance on the participation form attached and email to [email protected]. The closing date for the registration is on Friday 6 October 2017.

Looking forward to your participation.

Yours faithfully,

Grace Wong President SACM

This letter does not require any signature.

Mailing Address: Bukit Timah Post Office, P O Box 046, Singapore 915802 Visit us at www.sacm.com.sg REGISTRATION FORM

Participant Information

Name (Ms/Mr)

Credit Evaluation Workshop Designation Registration:

Fees: $300 for members For Corporate & Associates, nos. Company Name of paid membership applies. $350 for non-members

If you are interested to attend, please send Address the completed participation form via email to Mr. Victor Chan at [email protected] by Friday 06 October 2017

Or Mail to: Victor Chan Singapore Association of Credit Management Industry Bukit Timah Post Office P O Box 046 Singapore 915802

Telephone nos.

The event is subject to cancellation at F SACM’s sole discretion if response is Fax nos. unsatisfactory.

Email addresses:

Details of fees attached/paid:

Additional Participants (if any)

CREDIT MANAGEMENT IN TURBULENT TIME Mailing Address: Bukit Timah Post Office, P O Box 046, Singapore 915802 Visit us at www.sacm.com.sg Overview

It is the Association's objective to help improve and widen members' professional skills in the area of Credit Management. While the theoretical aspects of each topic would be addressed, the seminar would pay particular attention to the practical aspects of Credit Management.

Who Should Attend

This seminar is designed for all levels of credit staff as well as corporate CFOs who are interested to acquire credit evaluation skills, to improve credit decision-making and to mitigate against credit risks in the world of uncertainties. It is also relevant for those in Sales who would like to develop a better understanding of the credit risk profile of their respective customers.

Objectives

On completion of the seminar, participants will be able to:

 Understand the strategies of credit evaluation and how they can be used in the credit decision process in the current world  Use key financial ratios for assessing credit risk  Analyze financial reports insightfully and recognize areas of risks  Determine if a credit risk is acceptable and identify appropriate risk mitigation strategy

Topics

 Introduction to Credit Evaluation o What is credit evaluation? Why do it? o The credit evaluation process. o Sources of information  Identifying risks and mitigating risks  Basic financial ratios used in credit analysis  Use of financial ratios to measure key performance areas: profitability, debt management, capital structure, liquidity, activity and growth  How to analyse financial reports?  Searching for the “real” financial data  Streetwise analysis of financial ratios  Credit evaluation without financials  Use of Credit Scoring model  Case studies

Mailing Address: Bukit Timah Post Office, P O Box 046, Singapore 915802 Visit us at www.sacm.com.sg