About the Course
Effective NPL management requires a shift from reactive debt collection to a proactive, data-driven resolution strategy. Organizations today demand results they can prove through transparent reporting and measurable recovery metrics. To succeed in this field, you must demonstrate five core capabilities: precise classification of Special Mention Accounts (SMA), accurate collateral valuation under distressed conditions, mastery of IFRS 9 impairment modeling, negotiation of sustainable forbearance agreements, and the ability to execute secondary market portfolio sales. This course moves beyond theoretical credit risk to provide a structured system for managing distressed assets in real-world banking and microfinance environments.
The curriculum is designed to turn scattered recovery efforts into a high-performance resolution engine. You will learn to apply the Basel III framework for capital adequacy and practice hands-on impairment calculations using discounted cash flow (DCF) methodologies. Specifically, you will practice designing Early Warning Systems (EWS) and be introduced to the legal complexities of cross-border insolvency frameworks. This course teaches you how to balance aggressive recovery targets with long-term stakeholder value, ensuring your institution remains resilient against credit shocks. We acknowledge the real-world constraints you face, including limited data quality, complex regulatory burdens, and the challenge of adopting AI-assisted recovery tools, and provide the templates and roadmaps necessary to deliver results under these conditions.
Target Audience
This program is essential for professionals responsible for maintaining asset quality and institutional solvency in the financial services sector.
This course is designed for:
- Credit Risk Managers overseeing distressed asset portfolios
- NPL Resolution Specialists managing high-value recovery cases
- Bank Recovery Officers executing daily debt collection activities
- Financial Analysts calculating IFRS 9 impairment provisions
- Internal Auditors reviewing credit risk management compliance
- Relationship Managers handling Special Mention Account transitions
- Legal Counsel specializing in insolvency and debt restructuring
- Compliance Officers ensuring alignment with Basel III standards
- Asset Reconstruction Analysts valuing NPL portfolios for sale
- Chief Risk Officers reporting asset quality to leadership
Course Objectives
This course equips you to design, execute, and report NPL management initiatives that maximize recovery, ensure regulatory compliance, and support strategic liquidity goals.
By the end of this course, you'll be able to:
- Assess credit portfolio health using Asset Quality Review (AQR) standards
- Apply IFRS 9 Expected Credit Loss models to calculate impairments
- Design an Early Warning System (EWS) using predictive risk indicators
- Construct sustainable debt restructuring plans for corporate and retail borrowers
- Evaluate collateral value using distressed market haircut analysis techniques
- Navigate complex insolvency frameworks to optimize legal recovery outcomes
- Implement measurable NPL resolution targets using key performance indicators
- Synthesize recovery data into actionable reporting for executive stakeholders
Requirements & Prerequisites
Participants should have a foundational understanding of credit risk and basic financial accounting. Familiarity with Excel for financial modeling is recommended as the course involves impairment calculations. No prior experience in legal insolvency is required.
Local Application and Business Return
How participants can apply the training in local operating conditions, and the return their organisation can plan for.
How participants apply this
Expected ROI
Training Methodology
This is a practical, outcome-driven course designed to turn NPL management theory into measurable action and credible reporting.
Methodology includes:
- Hands-on impairment calculation exercise using an IFRS 9 ECL template
- Scenario simulation requiring restructuring decisions for a distressed corporate borrower
- Audit diagnostic using an Asset Quality Review (AQR) compliance checklist
- Stakeholder mapping exercise for complex multi-creditor insolvency proceedings
- Case study analysis from banking, microfinance, and retail lending sectors
- Group workshop producing a 12-month NPL resolution action plan
- Benchmarking exercise comparing institutional recovery rates against industry standards
Upcoming Sessions
Next available dates worldwide
Certification
Recognized credentials that advance your career
Participants who complete the Non-Performing Loans Management Training Program earn a Trainingcred Certificate of Achievement, demonstrating professional competence and alignment with global standards in learning and development.
NITA Accredited
Accredited by the National Industrial Training Authority, ensuring programs meet nationally recognized standards of quality and relevance.
CPD Certified
Recognized by the CPD Certification Service, ensuring every program meets internationally benchmarked standards of professional excellence.
Why this course earns its place on your CV
Accredited training, practitioner trainers, and peers on the same career track — the three things real expertise is built on.
Career Advancement
- Boost your resume with certified expertise in Loan Management.
- Empower your career trajectory with advanced NPL resolution skills.
- Elevate your professional profile in the banking sector.
Expert-Led Training
- Learn directly from financial industry leaders with decades of experience.
- Gain insights from real-world cases presented by top NPL professionals.
- Experience interactive sessions that bring theory to practical reality.
Practical Skills
- Master the strategies to reduce and manage non-performing loans effectively.
- Acquire hands-on skills through simulations based on actual NPL scenarios.
- Implement proven techniques immediately in your role to improve loan recovery.
Tools and platforms relevant to this field
Examples Malaysia teams may encounter, and that may be featured in training where they support the confirmed course scope.
These are field-relevant examples, not a promise that every tool will be covered. Exact coverage depends on the confirmed course scope, participant needs, and delivery format.
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SAS Credit Scoring and Decisioning SASUsed to score borrowers, detect early warning signals, and segment distressed accounts for collections prioritisation.
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Microsoft Power BI MicrosoftUsed to track NPL ratios, roll rates, recoveries, and portfolio migration by branch, product, and customer segment.
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FICO Decision Management Suite FICOUsed to automate collection strategies, treatment pathways, and repayment offer decisioning for delinquent borrowers.
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SAP S/4HANA SAPUsed to support finance, collateral, and recovery workflows where NPL resolution needs tight accounting and audit trails.
