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Home | Training | Solutions |Contact Us t: +44(0)20 7729 1811 |
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Credit Analysis Training This course will look into the skills needed to understand how and when you should look to provide products into the corporate market. |
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CREDIT ANALYSIS TRAINING COURSE - DURATION 5 DAYSThis 5 day course will enable participants to understand the clients and their business and help the bank and their customers manage portfolios. Among the areas covered will be:
Learning Objectives Who Should Attend
Methodology Course Contents Day 1: Getting Closer to the Business…. Session 1: Understanding the Client:
Session 2: Understanding the product
Case Study 1: You have the opportunity to acquire a new business client who is involved in leading edge IT products, what questions might you ask and what research should you do? Case Study 2: You are new to your position in your office and you are approached by an existing client involved in the construction sector looking to undertake a new development, what might you do before any meeting with the client and what questions might you ask during your first meeting Case Study 3: Consider both of the above case studies and look and where the best place to meet the client might be and why. Day 2: Getting closer to the figures: Session 1: Balance sheet interpretation:
Case Study 4: Thinking back to Case Study 1, during the course of your discussions you are presented with an inception balance sheet (will be provided during the course) which shows a negative position How do you feel about this and what questions might you ask? Case Study 5: Thinking back to case study 2, your customer has produced the annual accounts (will be provided during the course) which shows healthy and growing retained profit in the business. What comfort if any do you derive from this and how may it affect your decision? Case Study 6: Thinking back to Case Study 2, your customer has produced the annual accounts (will be provided during the course) which show a significant loss having been made during the last year with retained profit in the business having disappeared and a the overall position now being negative, How do you feel about this and what questions might you ask? Session 2: Profit & Loss & Cash flow Forecasts;
Case Study 7: Thinking back to Case Study 1, this new customer has full projections for his business going out 3 years (will be provided during the course), how would you analyse them and what questions might you ask? Case Study 8: Thinking back to Case Study 2, as a long standing customers your client sees no benefit to the business in producing forecasts and believes you should rely on past track record, how do you feel about that and how would you persuade the client to change the stance adopted? Session 3: Sensitivities
Case Study 9: Reverting again to Case Study 1, what might you look at to determine the sensitivities to be used? How would you handle the outcomes with the client? Case Study 10: Reverting again to Case Study 2, what might you look at to determine the sensitivities to be used? How would you handle the outcomes with the client? Day 3: Getting a fuller picture Session 1: Management accounts
Case Study 1: Looking at case study 1 again, assuming that you have agreed form of support package what information would you require from the client how frequently and when would you expect to receive it? What would you do with the information when it is received? Case Study 12: Looking at Case Study 2, again, assuming that you have agreed form of support package what information would you require from the client how frequently and when would you expect to receive it? What would you do with the information when it is received? Session 2: Bank account activity
Case Study 13: Once again think about Case Study 1, in this case management figures have been produced which show a very healthy position and yet the bank account shows a position that is out of order why might that be and what questions should you ask of the client? Session 3 Business Planning
Case Study 15: Reluctantly, and after some persuasion from you, the client in Case Study 2 has produced a full Business Pan (will be provided during the course) how might this help/hinder you in making a decision? Day 4: How do you lend Session 1: Lending Principles
Session 2: Structured Lending
Session 3: Internal policy including sector risk
Session 4: Shared risk
Case Study 16: Turning again to Case Study 1, having examined the Business Plan and asked numerous questions, how would you approach a lending for this potential client? What structure might you put in place, if any, to help protect your bank’s position? Case Study 17: Turning again to Case Study 2, having examined the Business Plan and asked numerous questions, how would you approach a lending for this potential client? What structure might you put in place, if any, to help protect your bank’s position? Day 5: Comfort Factors Session 1: Risk Mitigation
Case Study 18: Looking once more at Case Study 1 how do you believe you can help mitigate the risk to your bank? Case Study 19: Looking once more at Case Study 2 how do you believe you can help mitigate the risk to your bank? Session 2: Risk Reward
Session 3: Technology
Session 4: Security
Case Study 20: Taking one last look at case study 1, what if any security would you look for when agreeing to this lending? Would you lend on an unsecured basis? Case Study 21: Taking one last look at case study 1, what if any security would you look for when agreeing to this lending? Would you lend on an unsecured basis? Session 5: Review of Course:
State of the art facilities |
Credit Analysis Course Venue: London EC2 |