SME Credit Risk Management2016-10-10T13:03:49+00:00

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All courses of action are risky, so prudence is not in avoiding danger (it’s impossible), but calculating risk and acting decisively.

This is a an out-of-the-box professional program, designed for SME lenders to extend their knowledge and broaden their risk management expertise.

Lynchpin Certificate in SME Credit Risk Management offers you the insight and understanding needed to manage the credit risk from a 360 degree perspective in a complex lending environment.

It is a rigorous, UAE specific and designed to enable SME lenders to combine their professional experience with real life case studies to make an informed and calculated SME lending decision. The focus on inherent SME risks, their specific lending requirements, and SME financial analysis from a lender’s point of view will provide the knowledge and skills you need to take the prudent lending decision. Lynchpin has been training banking professional for many years and this program addresses the most specific needs of SME lending decision makers.

Who should attend?

The Lynchpin Certificate in SME Credit Risk Management is designed for junior to mid level career executives who wish to sharpen their credit skills. A basic understanding of finance, banking and related knowledge is preferred.

Course Assessment

There will be an assessment of one hour at the end of the training and certificate of completion will only be given to those candidates who pass the assessment test.
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SMEs are different, manage their risk differently

Learn how to do it with Lynchpin

The Lynchpin Certificate in SME Credit Risk Management is a professional executive training program. It is designed with specific focus on the SME lending environment in UAE. It would enhance your ability to take effective and calculated lending decisions in today’s complex business environment.

The program combines the highest standards of academic knowledge with a practical hand on approach to lending decision making. This is a professionally rich program designed to take your credit risk knowledge to the next level and deepen your financial analysis and risk management skill base. The certificate program comprises of various modules of training in the areas of SME lending environment, assessing credit risk, financial analysis, credit approval process, early warning signals and handling of non-performing loan portfolio.
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The major difference between a thing that might go wrong and a thing that cannot possibly go wrong is that when a thing that cannot possibly go wrong goes wrong it usually turns out to be impossible to get at or repair.

Session 1

SME Lending Environment in UAE

  • SME banking products in UAE & their risks
  • Lending practices in UAE
  • Internal credit rating
  • Understanding the SME business model
  • Application of credit principles while approving the credit

Session 2

Financial Analysis

  • A lender’s view of profitability, liquidity, solvency &amp[; debt coverage
  • Cash is king – how SMEs manage it
  • Drill down question to be asked doing financial analysis SMEs
  • Detailed financial analysis & projections techniques

Session 3

Specialized Credit Analysis

  • Industry specific credit approval terms
  • Specialized credit analysis for
    • Contracting
    • Trading
    • Manufacturing
    • Cross border financing

Session 4

Credit Approval & Post-approval

  • Credit risk analysis and approval techniques
  • Focal points in credit review process
  • Post approval conditions
  • Early warning signals
  • Restructuring of problem loans

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Course Director

Mirza Farrukh Baig, FCA

Certified in Entrepreneurship

Farrukh is the Managing Director of Lynchpin Consulting. a leading bank in Dubai. He has also successfully launched a corporate concern. He spearheads Lynchpin’s commitment to delivering the best output for client results in the management consulting services. Over the course of 20 years of practical experience, he has served in a variety of leadership roles, including banking, manufacturing and service sectors.
Based in Dubai, Farrukh has a track record of helping clients with strategy and other general management challenges. He has particular depth working with matters of financial planning, business advisory, accounting and corporate finance, but draws upon a variety of cross-industry experience as well. Prior to founding Lynchpin Consulting, Farrukh served at senior positions in Credit Risk Management of a Training business in Dubai which now operates from three different locations. He has served Crow Horwath (Pakistan) from 1999 to 2002. At Crow Horwath, he specialized in Auditing & Management Consulting.

Farrukh qualified for his Chartered Accountancy (CA) from the Institute of Chartered Accountants of Pakistan (ICAP). He has been awarded Gold Medal by ICAP for his outstanding performance in CA final examinations. He also holds certificate in executive education from Harvard Business School focusing on Entrepreneurship and launching new ventures.


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