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Credit and Financial Analysis for SMEs
Introduction
The SME business sector is a global market segment distinguished by a unique set of credit analysis characteristics: lack of a universal definition of size (each country has its own definition), poor quality financial information, etc. These characteristics make analysis and ultimate funding decisions, difficult.
Thisprogram is designed to provide the participant with insight into this market segment. It provides an explanation of the market, and chartsan appropriate set of analysis tools to analyse it. The course is interactive in scope and includes practical and theoretical instruction in credit risk analysis, accompanied by the use of group exercises and case studies (it identifies the key information requirements and global best practices, and offers direction on how to assess that information – to ensure a sound credit decision).
Who should attend this seminar?
This course is designed for individuals whowould like to acquire a solid foundation for understanding and analysing the creditworthiness of small and medium sized corporate clients.The course does not require any previous knowledge of financial statements or credit analysis skills; it is primarily tailored forRelationship Managers and Junior Credit Analysts.
Objectives
Understand the SME market and its set of credit analysis challenges
Discuss the impact of the growth of the SME market
Assess a company’s management
Review key financial ratios, cash flows and financial trends
Evaluate and forecast financial and credit performance and repayment
Structure a sensible credit package, including the evaluation of appropriate assets as security for the credit
Content
Day One:
Identifying the SME market
Qualitative assessment – the business
Qualitative assessment – the corporation
Qualitative assessment – management
Group Exercises
Day Two
Quantitative assessment – financial performance
Financial and Cash Flow analysis
Trend analysis and financial projections
Group Exercises
Day Three
SME credit risk and regulatory issues
Interpretation and application of results
Capstone assessment and case study
Summary and closing
GARP trainers use modern learning techniques (a blend of presentational methods and credit diagnostic software) used by many banks around the world – in order to assist with the risk analytical process
Please note that the sequence and/or exact subject matter of the program may differ from what is presented here since the program is constantly being updated to embrace new ideas and developments as they evolve.
By becoming a GARP member you become part of a global community of financial risk professionals. 
