1. you are to write a Credit Proposal (Application) for a listed Malaysian company of your choice as a group project. The loan amount is RM10,000,000 – RM100,000,000. The purpose is for capital expenditure financing. An industry sample of Credit Proposal will be uploaded to Moodle for your use a template.
2. Your Credit Proposal should be 8 – 12 pages (3,000-3,500 words), single sided 1.5 spacing, and Times New Romans font 12. Go the Internet (or any other sources) and obtain 3 years annual reports and financial statements of a listed company. Your information search on the company should also be supplemented by an online research. Use the Credit Application template provided, and make both non-financial and financial analyses of the company. Make a recommendation whether the loan can be given to the company.  

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+ Component Title Criteria Summary and General Information Existing Exposure and Application General Comments Financial Analysis Credit Proposal Protection, Management and The type facility, protection, repayment, interest and comments on application are stated clearly. (15 marks) The comments on background, major activities, market position, strategies, competitors and recentevents are comprehensive. (15 marks) The ratios calculated are comprehensive, and descriptions and interpretation are concise and clear. (7 marks) The description of collateral and its value, management experience and capabilities, Relationship relationship aspects are Aspects comprehensive. Very Good Need Improvement (7 marks) (5 marks) (3 mark) The name of client, purpose. The name of client, purpose The name of client, purpose, exposure and protection are exposure and protection areexposure and protection are no clearly stated. Summary is sated. Summary is clear. clearly stated. Summary is not clear (1 mark) concise and clear. (3 marks) MARKING RUBRICS (3 marks) Rating is objectively done, Credit Score and reflective of the financial analysis. Score and Descriptors Average (2 marks) The type facility, protection, repayment, interest and are adequately stated. (10 marks) The comments on background, major activities, market position strategies, competitors and recent events are adequate. (10 marks) The ratios calculated are adequate, and descriptions and interpretation are clear (5 marks) The description of collateral and its value, management experience and capabilities, relationship aspects are adequate. (2 marks) Rating is reasonably Percentage (%) objective, and adequately reflect the financial analysis. The type facility, protection, repayment, interest and comments on application are not stated clearly. (5 marks) The comments on background, major activities, market position, strategies, competitors and recentevents are not adequate (5 marks) The ratios calculated are insufficient, and descriptions and interpretation are not clear. (3 mark) The description of collateral and its value, management experience and capabilities, relationship aspects are insufficient. (1 mark) Rating is not objective, and does not reflect the financial analysis. TOTAL Weight (%) 7 3 15 50% 15 7 3 520 Marks + Component Title Criteria Summary and General Information Existing Exposure and Application General Comments Financial Analysis Credit Proposal Protection, Management and The type facility, protection, repayment, interest and comments on application are stated clearly. (15 marks) The comments on background, major activities, market position, strategies, competitors and recentevents are comprehensive. (15 marks) The ratios calculated are comprehensive, and descriptions and interpretation are concise and clear. (7 marks) The description of collateral and its value, management experience and capabilities, Relationship relationship aspects are Aspects comprehensive. Very Good Need Improvement (7 marks) (5 marks) (3 mark) The name of client, purpose. The name of client, purpose The name of client, purpose, exposure and protection are exposure and protection areexposure and protection are no clearly stated. Summary is sated. Summary is clear. clearly stated. Summary is not clear (1 mark) concise and clear. (3 marks) MARKING RUBRICS (3 marks) Rating is objectively done, Credit Score and reflective of the financial analysis. Score and Descriptors Average (2 marks) The type facility, protection, repayment, interest and are adequately stated. (10 marks) The comments on background, major activities, market position strategies, competitors and recent events are adequate. (10 marks) The ratios calculated are adequate, and descriptions and interpretation are clear (5 marks) The description of collateral and its value, management experience and capabilities, relationship aspects are adequate. (2 marks) Rating is reasonably Percentage (%) objective, and adequately reflect the financial analysis. The type facility, protection, repayment, interest and comments on application are not stated clearly. (5 marks) The comments on background, major activities, market position, strategies, competitors and recentevents are not adequate (5 marks) The ratios calculated are insufficient, and descriptions and interpretation are not clear. (3 mark) The description of collateral and its value, management experience and capabilities, relationship aspects are insufficient. (1 mark) Rating is not objective, and does not reflect the financial analysis. TOTAL Weight (%) 7 3 15 50% 15 7 3 520 Marks

Answer rating: 100% (QA)

Introduction This credit proposal is for a loan of RM10000000 RM100000000 for a listed Malaysian company for capital expenditure financing The purpose of this proposal is to provide a thorough analysi... View the full answer