1
Background & The New Paradigm: The L&D Credit Training Game-Changer
Conventional credit training programs have long been trapped in passive theoretical lectures and fragile manual spreadsheets prone to formula errors. CreditLab serves as the pioneering, revolutionary game-changer in banking and financial institution Learning & Development (L&D) ecosystems: transforming credit underwriting education into an interactive, institutional flight simulator. Analysts and Relationship Managers no longer simply memorize ratios; they take the pilot seat of end-to-end credit processing—instantly dissecting public-listed financial filings, modeling 20-year project finance waterfalls, stress-testing covenants, and articulating hallucination-free AI-grounded credit committee recommendations—compressing the competency curve from years into days of job-ready mastery.
Day 1 • The Mindset & Philosophy
Senior Bank Corporate/Commercial Credit Practitioner
Corporate & commercial banking practitioner with 20+ years of experience leading multi-trillion Rupiah credit portfolios, corporate debt restructuring, legal collateral mitigation, and chairing bank credit committee sessions.
Day 2 & 3 Morning • The Engine & Simulation
Lead Architect & Financial Modeler (CreditLab)
Financial modeling specialist and system architect of CreditLab, experienced in designing credit underwriting systems for banks and FIs.
Portfolio Flexibility
IDX Public-Listed vs Private Entity
Comprehensive simulation handling two distinct corporate borrower profiles:
- IDX Public-Listed: Directly linked to hundreds of exchange-listed corporates, instant profile fetch, live stock market data, and ESG ratings (Sustainalytics & PEFINDO).
- Private Entity: Standardized private borrower onboarding and structured financial statement template parsing.
Dual Scheme Architecture
Corporate vs Project Financing Scheme
Workflows, scoring rubrics, and financial calculators adapt dynamically:
- Corporate Scheme: Historical financial statement evaluation, working capital sizing via 5 RMA borrowing cause methods, business/industry risk scores, collateral & RAROC calculation, and Comprehensive DSCR.
- Project Financing: Greenfield SPV analysis, Capex Rule 75/25 enforcement, 5-category Project Risk rubric, and Native 20-Year Project Finance models.
🔒 Regulatory Compliance, Data Privacy & Synthetic Data Governance:
CreditLab provides comprehensive flexibility to underwrite both IDX Public-Listed and Private Entities in strict adherence to statutory banking secrecy (Banking Act No. 10/1998) and data privacy laws (PDP Act No. 27/2022). CreditLab strictly prohibits users from uploading confidential records of active, real-world debtors. Simulations are securely powered by Official Public Disclosures & Market Feeds (IDX, PEFINDO, Yahoo Finance, Trading Economics, IDN Financials, etc.) alongside Sanitized Synthetic Case Studies via structured financial templates for private entities.
2
Comprehensive 3-Day Course Syllabus
Session 1 • 08:30 – 10:00
Macroeconomics, OJK Regulations & Prudential Banking
Wholesale credit landscape, Legal Lending Limits (BMPK), asset classification, POJK 51/2017 (ESG), and why corporate credits fail (*Why Credits Go Bad*).
Session 2 • 10:30 – 12:00
Legal Screening, KYC & High-Risk Sector Red Flags
Verifying corporate legality, bankruptcy/PKPU litigation, and dedicated Construction Sector audits (bouwheer concentration, bonding capacity, termin quality).
Session 3 • 13:00 – 15:00
The Art of Dissecting Financial Statements & Window Dressing
Reading dynamic connections between Balance Sheet, P&L, and Cash Flow; detecting receivables/inventory anomalies; and annualized interim accounting precision.
Session 4 • 15:30 – 17:00
Collateral Valuation, Second Way Out & Overview of 8 Stages of Underwriting
Fair Market Value vs Forced Liquidation Value, haircut calibration, legal security perfection, and a comprehensive overview of the 8 stages of underwriting before CreditLab simulation.
Session 1 • 08:30 – 10:00
Stage 1 (Origination) to Stage 3 (Due Diligence)
Setup cases for IDX Public-Listed vs Private Entity, Capex Rule 75/25 SSOT locking, multi-currency support, screening gatekeeper, and dynamic checklists.
Session 2 • 10:30 – 12:00
Stage 4: Automated Financial Spreading Engine & Workbook 1
Instant multi-period parsing of official IDX/XBRL filings, scale mismatch audits, 30 banking ratios (7 categories), annualized interim accounting precision, and interactive charts.
Session 3 • 13:00 – 15:00
Stage 5: Dual-Engine Risk Rating & Workbook 2
Quantitative-qualitative scoring, 10-Band Master Scale PD mapping (AAA..D), ESG scorecards, PEFINDO benchmarks, and hands-on Workbook 2.
Session 4 • 15:30 – 17:00
Stage 6: Corporate Financing Scheme & Workbook 3
Working capital (KMK) sizing via 5 RMA borrowing cause methods, investment credit (KI) Capex Rule 75/25, amortization schedules, pooled collateral, Corporate RAROC calculation, and hands-on Workbook 3.
Session 1 • 08:30 – 10:00
Stage 6: Project Financing Scheme & Workbook 4
Deep-dive native project finance model: 17 project assumptions, 20-year waterfall, bankability metrics (IRR, NPV, DSCR, ICR, LLCR, PLCR), 5x5 sensitivity matrix, and hands-on Workbook 4.
Session 2 • 10:30 – 12:00
Stage 7 (Structuring & Covenants) & Stage 8 (AI Recommendation & Credit Memo)
Final facility structuring, financial covenants, zero-hallucination AI Recommendation module, Entity Valuation, and export to PDF & Word.
Session 3 • 13:00 – 15:00
The Underwriting Challenge (Practical Group Case Challenge)
Participants work in teams to dissect real-world corporate credit cases directly within CreditLab & Excel.
Session 4 • 15:30 – 17:00
Group Presentation, Review & Evaluation
Each team presents and defends their credit proposal before the class, followed by Q&A and evaluation.
3
8-Stage End-to-End Pipeline in CreditLab
| Stage |
Module & Nomenclature |
Core Capabilities & Banking Standards |
| Stage 1 |
Origination |
Independent KMK & KI facility requests, Capex Rule 75/25 SSOT locking (Bank max 75%, Borrower equity min 25%), multi-currency support (IDR/USD/EUR), and dynamic spreading basis (Sponsor vs Project). |
| Stage 2 |
Screening |
Automated red-flag eligibility gatekeeper: bankruptcy/PKPU litigation, banking NPL, negative equity, and OJK/IDX trading suspensions before subsequent stages unlock. |
| Stage 3 |
Due Diligence |
Dynamic compliance checklists: Legal, KYC, Operations, or Sponsor & EPC Contractors, plus dedicated 7-parameter Construction Sector audit. |
| Stage 4 |
Financial Spreading |
Instant multi-period parsing of official IDX/XBRL filings, scale mismatch detection, 30 banking ratios (7 categories), annualized interim accounting, and interactive charts. |
| Stage 5 |
Risk Rating |
Dual scoring engine: Corporate (70% Quantitative : 30% Qualitative) vs Project Financing (40% : 60% with 5 Project Risk rubrics), 10-Band Master Scale PD (AAA..D), ESG Scorecard (POJK 51/2017), and PEFINDO. |
| Stage 6 |
Analysis |
Dual Scheme: Corporate (5-Method KMK Sizing, Capex Rule 75/25, Collateral & RAROC) vs Project Financing (Native 20-Year Project Finance Model, 21-line waterfall, 5x5 sensitivity, Min/Avg DSCR, ICR, LLCR, PLCR, NPV, IRR). |
| Stage 7 |
Structuring & Covenants |
Deviation tracking (Requested vs S6 Recommended), final limit & tenor structuring, pro-rata pooled collateral allocation & LGD, and financial & affirmative covenants. |
| Stage 8 |
Credit Memo & AI Recommendation |
Executive Summary KPI Dashboard, zero-hallucination AI Recommendation engine with covenant compliance scanner, structural mitigations, and export to PDF & Word. |
4
UI Snapshots & Visual Simulation Engines
Instant extraction of multi-period IDX filings, 30 standardized banking ratios, and interactive Vertical (% Balance Sheet) & Horizontal (Base 100) analytics.
Balance Sheet
PL Statement
Cash Flow
★ Financial Ratios
Auto-Parsed IDX XBRL ✓
Audit: 3-Year Annual Filings • Audit Opinion: Unqualified (WTP)
Unit: IDR Millions
Current Ratio
1.85x (Pass)
📈 Vertical Common-Size (% Assets) & Horizontal (Base 100)
Chart Account Picker ▾
Integrates Stage 4 quantitative ratios and qualitative assessments (Industry/Business Risk, ESG, or Project Risk) into an institutional 10-Band Master Scale PD.
INTERNAL RATING
Score: 68.5/100
BBB
Good Quality
PD: 0.85% (Inv. Grade)
PEFINDO RATING
Stable
idAA+
National Scale
Benchmark ✓
Weights: Quantitative 70% (72.4) + Qualitative 30% (62.0)
ESG: 78/100 (POJK 51)
AAA (0.05%) • A (0.35%) • BBB (0.85%) ★ • BB (2.10% Watchlist)
Integrated project finance engine: computes a 20-year cash waterfall (Capex, EBITDA, Capitalized IDC, Tax, CFADS, Debt Service), monthly debt schedules, and live revenue vs. capex sensitivity matrix.
Min Project DSCR
1.42x
Covenant: ≥1.20x (Pass)
Project IRR
18.6%
Benchmark WACC: 10.4%
Loan Life Coverage (LLCR)
1.58x
Covenant: ≥1.20x (Pass)
Discounted Payback
6.4 Yrs
Loan Tenor: 10 Years
5x5 Sensitivity Matrix: Min DSCR (Revenue Shock vs. Capex Shock)
| Rev / Capex |
-10% Capex |
-5% Capex |
Base (0%) |
+5% Capex |
+10% Capex |
| +10% Rev |
1.75x |
1.68x |
1.62x |
1.56x |
1.50x |
| +5% Rev |
1.64x |
1.57x |
1.51x |
1.45x |
1.39x |
| Base (0%) |
1.53x |
1.47x |
1.42x ⭐ |
1.34x |
1.28x |
| -5% Rev |
1.41x |
1.35x |
1.29x |
1.23x |
1.17x ⚠️ |
| -10% Rev |
1.29x |
1.23x |
1.18x ⚠️ |
1.12x ⚠️ |
1.06x ⚠️ |
Green = Covenant Compliant (≥1.20x) | Red = Covenant Breach (<1.20x) | ⭐ = Selected Base Case.
Integrated collateral appraisal and risk pricing: pro-rata pooled collateral LGD allocation, Expected Loss (EL), Economic Capital (EC), and RAROC hurdle rate testing.
RAROC & Capital Allocation Summary (KMK + KI):
Proposed Facility Limits:
Rp 75,000,000,000
Pooled Collateral LGD:
34.2%
Expected Loss (EL):
Rp 425,000,000
Economic Capital (EC):
Rp 6,120,000,000
Calculated RAROC:
15.4% (VIABLE)
Bank Hurdle Rate: 11.5% • Net Contribution Margin: +3.9%
Zero-hallucination AI Recommendation module evaluating covenant compliance, detecting red flags, formulating structural mitigations, and generating executive Credit Memos.
✨ Red Flag & Mitigation Audit (AI Recommendation)
1 BREACH • 7/8 PASS
⚠️ [Project Min DSCR]: Stress scenario Capex +10% & Tariff -10% yields Min DSCR 0.97x (Covenant safe threshold: ≥ 1.20x).
↳ Required Mitigation: Establish Escrow DSRA covering 1 installment & enforce 50% Cash Sweep on excess cash flow.
⚠️ [Working Capital]: DSO expanded from 42 to 68 days due to contract retention.
↳ Required Mitigation: Require additional fixed asset collateral & Shareholder Loan subordination.
AI Decision Advice: APPROVED WITH CONDITIONS
PDF & Word Export Ready ✓
5
The Take-Home Weapons: 5 Master Institutional Excel Models
Beyond the web platform, delegates take home 5 unlocked Master Institutional Excel Models with live dynamic formulas (unlocked cells, blue/yellow input conventions, zero #VALUE! errors):
📊
1. Spreading Model
Multi-period BS, P&L, CF & 30 Ratios + Private Template.
Stage 4
🛡️
2. Risk Rating Model
Live quantitative & qualitative formulas + 10-Band PD Master Scale.
Stage 5
💼
3. Corporate Analysis
5 KMK Borrowing Cause methods, monthly schedules, & RAROC.
Stage 6
⚡
4. Project Finance Model
20-year waterfall, Base/Worst/Best cases, 5x5 sensitivity & DSCR.
Stage 6
📈
5. Valuation Model
DCF WACC / CAPM model & Relative P/E multiple peer benchmarking.
Auxiliary
6
Zero-Hallucination AI Recommendation Architecture
┌─────────────────────────────────────────────────────────────┐
│ CREDITLAB DATA BACKEND │
│ (Deterministically verified facts: S1 - S7 pre-calculated) │
└──────────────────────────────┬──────────────────────────────┘
│ JSON Grounding (Strict Boundary)
▼
┌─────────────────────────────────────────────────────────────┐
│ AI RECOMMENDATION ENGINE │
│ • Verbatim Metric Quotation (No Math Re-calculation) │
│ • Automated Covenant Breach Scanner (Policy Aligned) │
│ • Red Flag & Structural Mitigation Formulator │
│ • Independent "Second Opinion" Recommendation │
└──────────────────────────────┬──────────────────────────────┘
│ Draft Review & Advisory
▼
┌─────────────────────────────────────────────────────────────┐
│ CREDIT ANALYST (HUMAN-IN-THE-LOOP) │
│ Analyst reviews, stress-tests, edits, and finalizes │
└─────────────────────────────────────────────────────────────┘
7
Strategic Impact & Return on Investment (ROI) for Banks & Financial Institutions
70%
Time Saved
Cuts clerical spreading and credit memo drafting time dramatically.
3 Days
Time-to-Competency
Compresses new analyst onboarding from 12 months down to 3 intensive days.
100%
Policy Governance
Standardizes credit policy compliance across all business units and branches.
0 Error
Spreadsheet Formulas
Eliminates spreadsheet operational risks, broken formulas, and scale errors.