E-Learning Course: Credit Analysis

  • ID: 308262
  • Training
  • KESDEE Inc
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A comprehensive e-learning product covering ratio analysis and cash flow analysis.

The theme of this product:

- Assessing the financial health of a corporation
- Implications of financial and non-financial factors on corporate credit risk
- Methods for monitoring and standardizing credit procedures
- Managing problem loans

Course Overview:

Traditionally, lenders have faced credit risk in the form of default by borrowers. To this date, credit risk remains major concern for lenders worldwide.

The more they know about the creditworthiness of a potential borrower, the greater the chance they can maximize profits, increase market share, minimize risk, and reduce the financial provision that must be made for bad debt. This product provides fundamental understanding of the credit risk analysis process and discusses in detail, various aspects of financial statement analysis, including ratio and cash flow analysis, among others to help in making better credit-related decisions. It also looks at various non-financial factors such as Business Plan, Industry/Sector, Top Management, etc. that could affect the creditworthiness.

After completing this course, you will be able to:

- Apply credit analysis to assess borrowers in real cases
- Perform ratio analysis and cash flow analysis
- Structure loan products in a competitive way
- Identify and work-out problem loans

Target Audience

Every professional involved in the global financial services industry (as a provider, user, regulator or advisor of product/services, marketplace/exchange) would benefit from our innovative solutions.

Supervisory Agencies
Central Banks
Financial Institutions
Commercial Banks
Investment Banks
Housing Societies/Thrifts
Mutual Funds
Brokerage Houses
Stock Exchanges
Derivatives Exchanges
Insurance Companies
Multinational Corporations
Accountancy Firms
Consultancy Firms
Law Firms
Rating Agencies
Multi-lateral Financial Institutions
Others

Course Level & Number of Courses: Basic & Intermediate Level, Library of 13 Courses

Instructional Method: Dynamic, Interactive e-learning

Recommended Background: Familiarity with basic financial concepts

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Library of 13 Courses

Time taken to complete each Course: Two - Three hours

1. Overview of Credit Analysis

Objectives
Credit Risk
Credit Analysis
Seven C's
Credit Analysis Process

2. Lending Process

Objectives
Introduction
Credit Process
Documentation
Loan Pricing and Profitability Analysis
Regulations

3. Financial Statement Analysis-I

Objectives
Introduction
Ratio Analysis
Liquidity Ratios
Turnover Ratios
Profitability Ratios
Leverage Ratios
Market Ratios

4. Financial Statement Analysis-II

Objectives
Introduction
Elements of Cash Flow Statement
Direct Method
Indirect Method
Interpreting Cash Flows

5. Non-Financial Analysis

Objectives
Non financial analysis
Economy analysis
Industry analysis
Business analysis

6. Asset Classification and Loan Loss Provisioning

Objectives
Asset Quality
Quantitative and Qualitative Review
Asset Classification
Special Mention Asset
Loan Loss Provisioning

7. Borrowing Causes and Sources of Repayment

Objectives
Introduction
Operating Cycle
Capital Investment Cycle
Sources of Repayment

8. Problem Loans

Objectives
Introduction
Asset Management Companies
Securitization of NPLs
Debt Restructuring
Preventing Problem Loans

9. Consumer Installment Lending

Types and characteristics of consumer installment lending
Various types of Installment loans
Dealer Agreement, Recourse and Dealer Reserve
Common risks faced in consumer installment lending

10. Floor Plan Lending

Characteristics of Floor Plan Lending
Methods of Floor Plan Lending
Risks Associated with Floor Plan Lending

11. Accounts Receivable and Inventory Lending

Concept of Accounts receivable and inventory based lending
Risks faced in Accounts Receivable and Inventory Based Lending

12. Participation Loan

Concept of Loan participation
Need for Loan participation
Process of Loan participation
Risks faced in Loan participation

13. Letter of Credit and Loan Commitments

Concept of Letter of Credit (LC)
Types of Letter of Credit
Risks faced in Letter of Credit
Loan commitments, Un-funded lines of credit and their characteristics
Potential credit risk in loan commitments and un-funded lines of credit

Job Aids

- Measurement Tools
- Disclosures
- Regulations
- Global Best Practices
- Benchmarking Data

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