Credit and Loan Management
Strategic Measures to Control & Audit Credit and Loans
15th – 16th MARCH 2010
HOLIDAY VILLA
SUBANG, MALAYSIA
WHO SHOULD ATTEND?
Directors, Vice Presidents,
General Managers, Senior
Managers & Managers of:
• Credit Control
• Credit Management
• Debt Recovery
• Internal Audit
• Sales & Purchasing
• Accounts
• Finance
• Risk Management
LSW International Sdn Bhd
(765510-K)
623, Block B, Mentari Business
Park, Jalan PJS 8/5, Bandar
Sunway, 46150 Petaling Jaya
Selangor, MALAYSIA
T: +603 5637 2379
F: +603 5637 0366
Email: info@lswinternational.com
Thriving in the aftermath of a global crisis, most organizations have come to know the
dangers of ill advised loans and credits. In retrospect, many of these pitfalls could have
been avoided but as they say greed precedes the largest downfall.
In order to learn from the missteps and to safeguard your organization, this two days course
on Credit and Loans Management aims to bring the knowledge of global and best
practices of credit management such as knowing the credit processes, credit operations,
credit administration, credit monitoring, credit follow-up, and credit rehabilitation to the
forefront. Participants will be given insights in to the practical approach to credit review
and audit of loans. The workshop will ensure a sound understanding of credit and loans
control and audits function, and how this function compliments and is crucial for the
overall success of an organization’s credit / lending / loan business and credit operations.
Key Areas that will be covered in this Workshop:
• Getting the Basics Right: Review the Importance of Good Credit Practices and
Sound Credit Culture
• Grasping Credit Management Concepts in order to Perform Better Audit of Loans
and Credit
• Gain Insight into Credit Risk to understand the Complexities of Lending & the
Challenges thereof
• Knowing your Facts and Figures: Detailed credit processes /operations that need to
be reviewed
• Broad Review and Assessment of the Framework the organization has for its Lending
and Credit Process Management
• Evaluating the Building Blocks for Sound Credit Risk Management
• Review how effective is the Function of Measuring Credit Risk in the Organization
• Adopting Best Practices of Credit and Loans Management
• How is Credit Ratings as a Risk Management tool is implemented
• The Consequence of Poor or Lack of Audit of Loans and Credit
• Samplings and Conducting the 3 Vs for Audit of Loans and Credit
• Assessing the level of Competency and Compliance with Best Practices and
Benchmarks
• Reviewing the adoption of Critical Success Factors in the organization
Free distribution of one audit management book
 Credit and Loan Management
Strategic Measures to Control & Audit Credit and Loans

MODULE 1:
Getting the Basics Right: Review the Importance of Good Credit Practices and Sound
Credit Culture
MODULE 2:
Need to Grasp Credit Management Concepts in order to Perform Better Audit of Loans
and Credit
MODULE 3:
Insight into Credit Risk in order to Know the Complexities of Lending & the Challenges
thereof
MODULE 4:
Know Your Facts and Numbers: What are the Detailed Credit Processes / Operations you
need to Review
MODULE 5:
The Reviewer’s Views and Opinions about other Risk Issues Surrounding Credit
Management
MODULE 6:
Broad Review and Assessment of the Framework your Company has for its Lending and
Credit Process Management
MODULE 7:
Assessing / Evaluating the Building Blocks for Sound Credit and Loans Management
MODULE 8:
Check & Review How your Company Uses the Tools to Manage its Credit Risk
MODULE 9:
Review How Effective is the Function of Measuring Credit Risk in Your Company
MODULE 10:
Check how your Company Adopts the Best Practices of Credit Risk Management
Practices
MODULE 11:
LSW International Sdn Bhd How are Credit Ratings as Risk Management tools Implemented in your Company
(765510-K)
MODULE 12:
623, Block B, Mentari Business What Has Gone Wrong: The Consequence of Poor of Lack of Audit of Loans and Credit
Park, Jalan PJS 8/5, Bandar Management
Sunway, 46150 Petaling Jaya
Selangor, MALAYSIA MODULE 13:
Sampling and Conducting the 3Vs for Your Company’s Audit of Credit and Loan
T: +603 5637 2379
F: +603 5637 0366 MODULE 14:
Email: info@lswinternational.com Assessing the level of Competency & Compliance with the Market of Best Practices
MODULE 15:
Review if the Following Critical Success Factors are Adopted Well in Your Company

Dr. Joseph Eby Ruin
LSW International Sdn Bhd
(765510-K)
623, Block B, Mentari Business
Park, Jalan PJS 8/5, Bandar
Sunway, 46150 Petaling Jaya
Selangor, MALAYSIA
T: +603 5637 2379
F: +603 5637 0366
Email: info@lswinternational.com
Credit and Loan Management
Strategic Measures to Control & Audit Credit and Loans
(Dr) Joseph Eby Ruin
FCCA (UK); CA (M’sia); Hon. DBA-
DBA-Mgt Phi (Kursk).
Dr. Joseph Eby Ruin is the Principal and Proprietor of RiskFirst Consultancy &
Training Services. Prior to that, he was the Chief Risk Officer of a large Malaysian
bank’s Risk Management Division, where he supervised and managed the 4 risk
management departments in that bank namely: Credit Risk Mgt Dept, Operational
Risk Mgt Dept, Market/Treasury Risk Mgt Dept, and Systems (it/is) Risk Mgt Dept.
He was also a member of the BCP Steering Committee for that bank.
Before he joined this bank in May 2004 he was the General Manager and Head of
Operational Risk Mgt Dept. As the General Manager and Head of Operational Risk
Mgt Dept of this other bank, he led a team to formulate, design and implement from scratch
the BCP programme and documentations for that bank.
He has 30 years of executive and managerial experience in 12 organisations (6 banks and 6
non-banking institutions). He retired from full-time employment in April 2007 upon
reaching the working retirement age of 55 years.
Since 1996, Dr Ruin has been invited by event or conference organisers to speak and deliver
his various corporate governance/audit and risk management papers at public conferences
in Malaysia, as well as outside Malaysia like in India, Australia, China, Indonesia, South
Korea, Thailand, Mauritius, Australia, Cambodia, Philippines, Russia, and Singapore.
He has written 18 management books that are on sale at local Malaysian bookshops;
focusing mainly on audit, banking/finance, corporate governance, controls, people and
customer services, and risk management.
Dr J E Ruin has written 18 management books entitled and these books are on sale in many
Malaysian bookshops. He was elected the Regional Director of PRMIA, KL Malaysia
Chapter in November 2007.
Training Schedule
8.30 a.m. - Registration 9.00 a.m. - Session Begins
10.30 a.m. - Coffee Break 11.00 a.m. - Session Resumes
1.00 p.m. - Lunch 2.00 p.m. - Session Begins
3.30 p.m. - Coffee Break 4.00 p.m. - Session Resumes
5.00 p.m. - End of Session
 Credit and Loan Management
Strategic Measures to Control & Audit Credit and Loans

15th & 16th March 2010 (Monday & Tuesday) Holiday Villa Subang, SELANGOR

REGISTRATION FORM
Please complete
complete this form and fax back to +603 5637 0366

1. NAME: .....................................................................
.......................................................................................
.................................... Workshop Fee
......................................................................
POSITION: .................................................... ............................
..................................
................ EARLY BIRD PRICE TILL 26TH FEB 2010
...........................................................................
EMAIL: .......................................................... .................................
................................. RM2
RM2,500 (per delegate) or USD750 (per delegate)

2. NAME: ........................................................................
.......................................................................................
................................ REGULAR PRICE 1st MARCH 2010
2010
RM2
RM2,995 (per delegate) or USD950 (per delegate)
POSITION: .....................................................
.....................................................................
.......................................................................
................................

...........................................................................
EMAIL: ........................................................... ................................
................................ Payment Mode
By cheque — crossed & payable to:
3. NAME: .........................................................
.........................................................................
...................................
.............................. LSW INTERNATIONAL SDN. BHD.
By direct transfer/bank draft:
.......................................................................
POSITION: ........................................................ .............................
............................. Maybank Berhad, Wisma Consplant, Subang Jaya,
Selangor
.............................................................................
EMAIL: ............................................................. ....................
..............................
..............
A/C: 5123 0700 2535
Swift Code: MBBEMYKL
AUTHORISED BY: Payments must be received within 7 days from the date of invoice.

....................................................................................
NAME: ............................................................................................
......................... Cancellations & Substitutions
Substitutions are welcomed at any time. Please notify us at least
POSITION: ....................................................
..............................................................
........................................
.................................. 3 days before the event. Cancellations must be in writing at least 14
days before the event either by fax or email and a 10% service fee will
apply. Regrettably, there will be no refund for cancellations received
.....................................................................
TEL: .................................................... ...................
............................
...........................
......................... after the aforementioned date. This will also apply to delegates who
are unable to attend on the day.
.......................................................
EMAIL: .................................................... ....
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...................................
Indemnity
LSW International Sdn Bhd reserves the right to make any changes
SIGNATURE:………..
SIGNATURE:………..……………………………
..……………………………………….
……………………………………….…….
………….……. (compulsory)
or amendments to the programme for reasons beyond its control.

INVOICE TO: Further Information

LSW reserves the right to use photographs taken during the
ORGANISATION: ...........................................
..........................................................
.....................................
.................................. program and names of participating institutions for
promotional and educational purposes.
ATTN. TO: .......................................................................
........................................................................................
...................................

POSITION: .........................................................
..........................................................................
..............................................
.............................. LSW International Sdn Bhd (765510-K)
623, Block B, Mentari Business Park,
........................................................................
ADDRESS: ...................................................... .................................
................................. Jalan PJS 8/5, Bandar Sunway
46150 Petaling Jaya, Selangor, MALAYSIA
TEL: ......................................
...........................................
..................
......... FAX: ..........................................
T: +603 5637 2379 F: +603 5637 0366
..............................................................................
EMAIL: ...................................................... ........................................
........................................ E: info@lswinternational.com