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Workshops & Seminars



All of Aperio Associates' workshops and seminars are conducted by its Founders and Principals (unless otherwise notified in advance), and may be conducted singly, or in combination with each other.   Instruction is available in-person on or off-site, on-line, or a combination of the two.   All workshops and seminars can incorporate Shariah-compliant transactions, either singly or in combination.   The descriptions shown below are meant to be illustrative.   We also provide professional coaching for financial service professionals, either individually or in groups.    In all cases Aperio tailors its seminars and training sessions to the specific needs of the attendee(s).

Credit Analysis & Underwriting
 
Standard Version: 8 hours
Extended Version: 2 days
 
Covers the elements of lending and leasing risks and how to mitigate them.    Includes in-depth instructions in financial statement analysis and interpretation as well as elements of portfolio risk and risk-sharing (especially important in transactions that must be compliant with Sharia Law). This is a critical subject in understanding and recognizing the many risks in commercial and Islamic lending and leasing.

Lending Mathematics
 
Standard Version: 4 hours
Extended Version: 8 hours
 
The focus is on the use of present value and the use of financial calculators and specialty software programs to price commercial loan transactions in ways to maximize the lender's profit.    Using "real-world" examples and problems, participants will develop skills to apply the borrower's credit information into pricing structures designed to maximise profits while mitigating credit risks.    This class can include the application of lending mathematics to transactions that must be compliant with Sharia Law.

Funding of Commercial Loan and Islamic Finance Transactions

Standard Version: 8 hours
Extended Version: 3 days

 
Use of debt and equity to fund individual transactions as well as commercial finance companies.    Use of Sukuk bonds, in the case of companies that must operate in compliance with Sharia Law, may also be included.

Application of Principles of Commercial and Islamic Finance to Specialty Markets

Specialty markets can include, but are not limited to, the following:

Agriculture
Micro-finance
Industry-specific such as the Food & Beverage Industry
Commercial real estate
Project finance

Establishing Agricultural Lending Operations in a Bank or Other Financial Institution

 
Standard Version: 5 days per module - 3 modules
Extended Version: 15 days

 
This program offers an integrated overview of the financing of agriculture from the global, regional and local perspectives. Participants receive an understanding of the various issues involved with sub segments of agriculture production and products, processing, logistics, regulations and legislation as well as specialized training on loan risk mitigation including proper loan underwriting, risk acceptance criteria, lending policies and procedures, as well as insurance. Training can be customized to meet the needs of particular institutions and can also be offered on an executive level basis for senior management, credit committee members and boards of directors.
 
Commercial Lending for Regulators and Supervisors

Standard Version: 4 hours
Extended Version: 8 hours

This course is designed to provide regulators and supervisors, whose responsibilities include overseeing the safety of commercial lending in their jurisdictions, the basics of commercial lending, including development and evaluation of lending products, prudent credit standards and knowledge of documentation.   As with all other courses offered by Aperio, principles of commercial lending that are compliant with the 4 Schools of Thought under Sharia Law can form an integral part of this program.

 
 
Coaching for Financial Service Professionals
 
Coaching sessions, either for individuals or groups, can include all the topics covered in our seminars and training sessions, and can be delivered either in person or on-line. If, for example, an individual or small group wants to improve their pricing skills, one of our experts can devise consultations tailored to their individual needs. Because Aperio's Principals have spent years working inside financial institutions we are also able to share our experiences through individual coaching sessions.