1. What is Credit? Rewards and Challenges of being a Credit Practitioner Speaker: Margaret Rachel Tse Date: 11 October, 2011

2. Recent Crisis 1997 Asia Financial Crisis 2000 Technology Bubble 2007-8 Financial Crisis Present – Global Crisis

3. Commonalities Easy CREDIT Overleveraging

4. CREDIT CREDIT= C??? CONFIDENCE NOT= Blind Faith Confidence derived from Information + Analysis Warren Buffett “It is not just whom you sleep with, but also whom they are sleeping with “

5. Rewards Versus Challenges Rewards Job Security Huge Exposure Interpersonal skills Job Satisfaction Challenges Market Booming( 温 水煮青蛙 ) Shorter Cycle of Ups and Downs and volatility increased Conflicts with Sales and Marketing Skills not acquired in school

6. Credit as Career

7. The End And Thank You