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Professional Credit Presentation Skills For Bankers


Credit presentation skills represents a crucial part of the credit process since it can either hinder or support a sound credit decision. By learning how business credit appraisals and decisions are made in practice from a risk management or credit approving authority standpoint, banking professionals can now adopt these insights towards improving the quality of their credit presentations for approval. This will inevitably raise their level of performance, productivity and professionalism. Participants will also learn how to effectively use a structured approach in interpreting, integrating and synthesising relevant quantitative and qualitative information including risk considerations, when presenting business recommendations or making business decisions. The knowledge and skills from this course would greatly enhance the evolving role and capability of bankers in becoming true banking professionals for the benefit of both internal and external stakeholders.


Understand and have worked through examples of the following:

  • Apply a structured approach in making proper credit presentations.
  • Appreciate the key components that are important in terms of credit presentation based on different scenarios and context.
  • Ask the right quantitative and qualitative questions from a banker’s perspective.
  • Interpret, Integrate and Synthesise relevant analyses and information for enhanced credit decision – making and credit presentation.


1. Heads of Departments

2. Senior Managers

3. Managers

4. Executives


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.

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