The importance of increasing the knowledge of account officer staff in analyzing credit and calculating the level of risk that will occur as well as the rate of return, STIE Perbanas Surabaya through the Center for Applied Banking and Management (CABM) held credit analysis training for account officers for Bank Prima Master. Taking place in the meeting room of the Bank Prima Master Surabaya head office, this training was attended by a number of account officers and marketing staff for two days, Friday-Saturday (19-20 / 5).

Chairman of STIE Perbanas Surabaya, Dr. Lutfi, S.E., M.Fin., In his remarks conveyed that there were many obstacles, especially those related to the credit sector. Problems that often arise are findings related to credit operations and repeated findings that make it difficult for this bank to have a category of governance 2, but he invites to be grateful because so far Bank Prima Master has a category of good corporate governance. "So this training activity provides two benefits, the first is a change in mindset, that it is not enough for you to pursue the lending target, but 2-3 years later there will be bad debts 1, 2 and 3. Second, the ability to analyze should not be up to you. This gives priority to credit as collateral, we must evaluate the ability of the debtor in the possibility of repaying what has been borrowed, "he explained in front of all the training participants.

On this occasion, the speakers who were presented were Ekowati Setyambodi and Achmadi. Both are practitioners who are already experts in the field of credit, especially in credit analysis. In the training, Ekowati Seyambodi explained that there are three bank credit products, namely consumer, retail and corporate. His party advised all training participants to analyze credit, whatever data they get, don't miss it. "Why? the purpose of the statement why here is every time you do a credit analysis always ask yourself why yes, because in my opinion why it should be attached to you in doing credit analysis so that we can identify all data, all input, all the cases we have, "He explained.

Meanwhile, Achmadi assessed that the credit analysis training activity for account officers involving account officer staff and prime master bank marketing staff was very good, because in this training the participants not only listened to material from the speaker but they were also given a study case related to the credit sector.

One of the participants in the credit analysis training for account officers, Lucas Joko Wiyarso, revealed that after attending the two-day training I gained new knowledge, especially about credit and improved my ability to analyze credit. (Eka.r)