CREDIT BANKING ANALYSIS FOR PROFESSIONALS
Available Dates & Locations
COURSE OVERVIEW
The Credit Banking Analysis Professional Training is a comprehensive program precisely crafted to provide professionals with an in-depth grasp of credit analysis and commercial banking. This course blends theoretical knowledge with hands-on practical experiences, enabling participants to excel in the realm of financial analysis and lending.
COURSE OBJECTIVES
By completely attending this course, participants will learn how to:
- Comprehend and project cash flow cycles and the borrower’s funding gap for working capital.
- Develop a dynamic, logically structured, and comprehensive financial model encompassing the three financial statements.
- Determine a borrower’s risk rating based on their historical financial performance.
- Propose suitable lending structures aligned with client needs and the institution’s credit policies.
- Clarify the procedural aspects involved in credit documentation, utilizing practical examples of loan agreements and guarantees.
- Complete a formal credit application methodically, step-by-step.
- Identify optimal practices and approaches for evaluating a business’s management team.
- Interpret and scrutinize a borrower’s business plan to assess its viability.
- Evaluate different business structures and outline the distinct lending risks associated with each.
- Recommend collateral security arrangements to mitigate the potential for loan loss.
- Define various loan covenants and suggest their appropriate application.
- Detect early indicators signalling potential issues with borrower accounts.
- Describe how macroeconomic factors can influence a borrower’s ability to meet future debt obligations.
- Suggest modifications to credit structures considering industry-specific risk factors.
- Explore industry-specific data sources for accessing benchmarking information.
TARGET COMPETENCIES
- Proficiency in Financial Analysis
- Crafting Effective Credit Structures
- Strategies for Management and Business Assessment
- Mastering Risk Management Techniques
- Industry-Specific Insight.
This course is tailored for professionals in banking and finance professionals including credit analysts, loan analysts, bankers, and risk managers. Professionals who require to enhance their expertise in credit analysis and commercial banking
The course utilizes engaging group discussions and practical exercises. Participants will actively participate in simulations for credit analysis, industry-specific scenarios, and collaborative knowledge sharing, all under the guidance of experienced industry professionals.
