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- Have you ever felt lost in explaining if the current and leverage ratios were secure enough for a credit decision?
- Do you find difficulty quantifying a client’s ability to payback, and measuring the impact of that with confidence?
- Is it hard for you to assess a credit’s main weaknesses?
- Do you find it helpful to create financial projections and sensitize clients’ main risks?
- Wouldn’t you like to assess on the fly whether a client is credit-worthy or not?
Our unified approach to financial analysis is cash flow centric and aims to answer in three central questions:
- Can the client generate cash flows and is it sustainable?
- Is the cash generated enough to cover bank commitments?
- What is the client’s behavior in terms of investments and withdrawals and its future impact on ability to honor bank obligations?
- Cash Flow Creation and Analysis
- Ratio Analysis
- Ratios and Industries
- Financial Projections
- Sensitivity Analysis
After completing this course, you can expect to:
- Assess in a few simple steps whether a client is credit-worthy
- Create cash flow statement in a short cut manner, using 10 easy Steps to Cash Flow analysis.
- Answer the three central questions of financial and credit analysis
- Create a financial forecast for any client
- Convert numbers into events to better understand the client’s situation
- Understand the true role of traditional ratios in analysis
- Create sensitivity scenarios for differing risks and assess the impact on ability to repay
This program is for you if any of the following scenarios apply:
- You are a seasoned banker and want to refresh your knowledge in Financial Analysis
- You are a Corporate/Commercial Relationship Manager and you want to strengthen your knowledge of Financial Analysis and minimize the subjective element in your credit-decision making
- You are an SME Relationship Manager who would like to make credit decisions on the fly given the limited time available to spend on each client
- You are a new Credit Analyst or Officer who wants to learn all about credit analysis and want to start contributing to the credit-decision process
- You are a Credit Risk Manager or Credit Auditor and want to learn how the credit-decision-making process works
- You are someone who has a general interest in credit risk and would like to learn more about it