NUS RMI Small Business Fundamentals Workshop

Program Overview

CreditLab®: Small Business Fundamentals provides a basic understanding of small business lending principals, processes and products. The course provides an overview of the decision-making practices across the credit lifecycle through the tactical lens of credit policy and strategy development.

The course will advance participants’ knowledge of the small business lending space through additional topics, such as judgmental v. automated decisioning; use of data, scores, ratings, and business rules to manage P&L; executable strategy development for originations, account management and collections; and compliance analytics to monitor portfolios and models.

Your new knowledge will be tested through activities and simulations. You will work with your team in a competitive testing environment. Your goal: Maximize your P&L under a variety of situations. This will be your opportunity to network with peers with adjunct skill sets that are important to success.

Target Audience

• Small Business
• Line of business team leaders
• Marketing manager
• Product management team leaders and managers
• Portfolio management team and managers
• Branch managers
• MIS and reporting team leaders and managers
• Underwriting team and managers
• Operations team leaders and managers
• Credit policy team
• Credit operations team leaders and managers
• Marketing and risk analytics team and team leaders
• Corporate analytics and Finance team
• Finance managers, small business counterparts
• Compliances team leaders and managers
• Call/contact centre manager
• Customer service manager
• Small business collections team leaders and managers

Key Course Objectives

• The SME Marketplace, Clients and their needs
• Credit Policy & Credit Decision, Consideration
• Judgmental vs. Automated Decisions
• Decision Analytics: Data, Scorecard, Ratings and Business Rules
• Activity
• Strategy Development
• Origination
• Account Management
• Collections
• Compliance Analytics: Validation and Portfolio monitoring

Program Agenda

Day 1

• The SME Marketplace, Clients and Their Needs (summarized version from Lending Lab)
• Credit Policy & Credit Decision Consideration
• Judgmental vs. Automated Decisions
• Decision Analytics: Data, Scorecard, Ratings and Business Rules (e.g. implication to bank’s • P&L, profit margin and ratios)
• Activity: Team judgmental underwriting exercise
• Simulation: Using what has been learned in Day 1, test various risk and pricing parameters, execute against the simulation, observe P&L. Three rounds. Each team to present rationale and findings.

Day 2

• Strategy Development and Feedback Loop
• Originations
• Account Management
• Collections
• Compliance Analytics: Validation and Portfolio Monitoring
• Simulation: Using what has been learned in Day 2, test various risk and pricing parameters for different sub-segments, execute against the simulation, observe P&L. Three rounds. Each team to present rationale and findings.

Speakers

Sharon O’Connor-Clarke