CBF 1: Risk Assessment and Guarantee Issuance
Minimum Resources Required during a Disaster

In the event of a disaster, the continuity of Credit Guarantee Corporation Malaysia’s (CGC) core business activities is paramount to maintaining customer confidence and fulfilling its mandate of supporting credit access for small and medium enterprises (SMEs).
One of the most critical functions is CBF-1: Risk Assessment and Guarantee Issuance, which underpins the organisation’s ability to evaluate applications, assess credit risk, and issue financial guarantees.
This chapter outlines the minimum resources required to resume and sustain this function at an acceptable service level from an alternate recovery location.
It provides a breakdown of essential human resources, physical infrastructure, and technological tools needed for each sub-component of the function.
By identifying these minimum thresholds, CGC ensures operational readiness and resource prioritisation during the activation of its Business Continuity Strategy (BCS), thereby reducing downtime and enabling effective service continuity under adverse conditions.
Table 3: [BCS] [T3] Minimum Resources Required for CBF 1: Risk Assessment and Guarantee Issuance
Business Function (Sub-CBF) |
Recovery Location |
No of Staff (Min Qty) |
No of Seat (Min Qty) |
No of Tel (Min Qty) |
No of PC/Laptops (Min Qty) |
Others (Pls describe and provide min qty) |
1.1. Application Intake |
Alternate Operations Centre |
3 |
3 |
2 |
3 |
Scanner (1), Secure Document Storage (1 cabinet) |
1.2. Preliminary Eligibility Check |
Alternate Operations Centre |
2 |
2 |
2 |
2 |
Access to Customer Database (1 system login per user) |
1.3. Credit Risk Assessment |
Alternate Operations Centre |
4 |
4 |
3 |
4 |
Access to Credit Scoring System (4 logins), Printer (1) |
1.4. Site Visits / Due Diligence (if required) |
Field / Remote Location |
2 |
N/A |
2 (mobile) |
2 (laptops) |
Transport (1 vehicle), Camera (2), Mobile Wi-Fi (1) |
1.5. Guarantee Structuring |
Alternate Operations Centre |
2 |
2 |
2 |
2 |
Secure Access to Legal Templates (2), Collaboration Tool (e.g., MS Teams) |
1.6. Approval Process |
Alternate Operations Centre |
3 |
3 |
3 |
3 |
Digital Approval System Access (3), Video Conferencing (1) |
1.7. Issuance of Guarantee |
Alternate Operations Centre |
2 |
2 |
2 |
2 |
Digital Certificate System (2 users), Document Printer (1) |
1.8. Post-Issuance Monitoring Setup |
Alternate Operations Centre |
2 |
2 |
2 |
2 |
Monitoring Dashboard Access (2), Reporting Tool (1) |
Summing Up ...
Identifying the minimum resource requirements for CBF-1: Risk Assessment and Guarantee Issuance is a critical step in CGC’s disaster preparedness and recovery planning.
This ensures that essential sub-processes — from application intake to post-issuance monitoring — can continue with minimal disruption, even in the face of significant operational challenges.
By aligning recovery resources with business impact priorities, CGC reinforces its resilience posture, enabling swift recovery of critical services.
Maintaining up-to-date resource requirements and periodically testing the adequacy of these provisions are key to ensuring that CGC remains responsive, reliable, and committed to supporting Malaysian businesses, even in times of crisis.
More Information About Business Continuity Management Courses
To learn more about the course and schedule, click the buttons below for the BCM-300 Business Continuity Management Implementer [BCM-3] and the BCM-5000 Business Continuity Management Expert Implementer [BCM-5].