On course for success



The past decade has seen dramatic losses in the banking industry. Banks that had been performing well suddenly announced large losses due to financing / credit exposures that turned sour. In response to this, banks have almost universally embarked on an upgrading of their risk management and control systems whilst having to meet more stringent capital requirements.

It is thus essential for banking executives and managers to equip themselves with the necessary analytical skills to proactively ask the right questions and to learn from the various experiences of banks to-date.

A proper and sound financing / credit appraisal is crucial when presenting financing / credit or business recommendations as well as making important decisions within the bank.



By completing this practical 2 day programme, participants will be able to:

i) Demonstrate a better appreciation of the essential concepts of financing/credit risk analysis
ii) Grasp the key strategic issues and practical challenges confronting CEOs and the Board of Directors in banks
iii) Appreciate the importance of proper financing / credit appraisal in their daily work
iv) Identify and analyse significant potential financing / credit risk issues
v) Gain a higher degree of self-confidence when conducting financing / credit appraisal
vi) Raise their level of everyday work performance and professionalism



Mr.P.Manoharan is an experienced senior banker with over 30 years of proven leadership and management experience. He was previously the Executive Vice President and Advisor to
Commercial Banking in a leading regional universal banking group.

Over the years, he has had responsibility for leading the high performance of people, projects and the banking organization in a number of key areas, successfully navigating through 4 large scale mergers and 3 economic recessions. This includes portfolios ranging from Corporate Banking, Retail Banking, Branch Banking, Credit Risk Management, Compliance & Controls, Sales & Business Development, Corporate Debt Restructuring, Asset Quality Management, Regional Business Management as well as Commercial Banking roles covering consumers, SMEs to larger corporations and multinationals in various economic sectors.

During the aftermath of the 1997/98 Asian Financial Crisis, he was called upon to serve as one of only three senior banking industry representatives in the Corporate Debt Restructuring Steering Committee from 1999 to 2001,under the auspices of Bank Negara Malaysia (Central Bank of Malaysia). He is currently the Managing Director of Manzett Management Sdn Bhd, a boutique business performance improvement company.

Apart from being a Certified Trainer on Professional Selling Skills from a leading US based global training company as well as a Certified Trainer by Pembangunan Sumber Manusia Berhad (HRDF) in Malaysia, he has been an In-house Trainer for many years covering a number of technical skills, functional skills, positive mindset acceleration and knowledge based training. He has also been invited to speak at various forums including at international conferences.

To-date, he has conducted several highly successful training programmes for bankers from various countries. He is a passionate learning facilitator who has gone beyond just training by introducing and implementing easy to use business tools that corporate employees simply love. These tools are aimed at boosting work productivity, business performance and professionalism, both at the employees’ and organizational levels, by delivering a positive impact that is long lasting.

Manoharan is a Chartered Accountant with Malaysian Institute of Accountants [CA(M)], a Fellow of The Chartered Institute of Management Accountants, United Kingdom [FCMA,UK], a Chartered Global Management Accountant [CGMA] as well as a member of the Asian Institute of Chartered Bankers.


Download Brochure
Location Map
▲ Top