Credit Follow-Up and Management of Non-Performing Debts

Course details

Objectives :

• Introduce participants to the concepts of control and management of bad debts and their causes and the procedures followed in each. 
• inform participants on the concept and founded the classification of credit facilities by the Central Bank instructions and mechanisms for provisioning and configuring benefits.

Contents :

• Control over credit:
• The purpose of the control unit to credit and its functions.
• Control over credit granting and renewal.
• Control of the use of facilities by type and end:
• Controls on the use of loans and the use of overdrafts and the use of bank debit ceiling and the use of the trade discount and the use of renewable loans and the use of indirect ceilings.
• Control over legal documents and guarantees.
• Early indicators for the observation and monitoring of the negative rating accounts.
• Control over Mrkzaat risks.
• Review exceptional credit relationships.
• Total control over the purse facilities.
• Monitoring and supervisory tools and an early warning system.
• Bad debt management:
• Concept and aspects of financial distress.
• The causes of financial distress and predictable.
• Actions to be followed to deal with non-performing debts and the steps which have not been converted to legal proceedings.
• Actions to be followed to address the debts subject to legal procedures and steps.
• Bad debt treatment.
• Classification of facilities according to the central bank instructions:
• The concept of classification and founded.
• Classification of credit facilities.
• Provisioning and suspension of benefits.
• The concept of credit concentrations and the central bank's comments about them.
• The role and importance of information systems in the activation of the control and management of the facilities.