Collections and Recovery

Learning Outcome

Upon completing this course, learners will be able to:

• Analyse how delinquent and impaired credit accounts are managed through collection and recovery processes.

Key Topics Covered

This course provides an overview of the following areas:

• An introduction to collections and recovery
• Common causes leading to loan delinquency
• Classification of impaired loans and the recognition of provisions
• Collection approaches and strategies
• Loan rescheduling and restructuring methods
• Government-supported assistance programmes (such as AKPK)
• Recovery mechanisms, including foreclosure, repossession, and legal action
• Chapter summary

Assessment Expectations

In the examination, candidates are expected to demonstrate the ability to:

• Explain the end-to-end collection process, including the methods and strategies applied
• Distinguish between current, delinquent, and impaired loan classifications
• Describe loan rescheduling and restructuring arrangements, including the role of government-assisted schemes
• Explain recovery procedures for both secured and unsecured facilities, including litigation processes