Intermediate Credit and Financial Analysis
3 Day Workshop
(Workshop is not being offered at this time)
Introduction
As a credit and financial risk management professional, you are responsible for understanding, assessing and determining how financial concepts, theories and regulatory initiatives might impact your firm. You must then evaluate the effectiveness and efficiency of your organization's risk management systems and its capacity to deal in this fast paced and ever-changing environment.
This is an intermediate course which builds on a candidate’s basic understanding of credit and financial analysis. Emphasis is placed the more complex ratio analysis, cash flow analysis, debt capacity and weight average cost of capital. The course is interactive and includes the latest practical and theoretical developments in credit risk analysis – enhanced through the use of group exercises and case studies.
Objectives
At the end of this seminar, participants should be able to:
- Build on the understanding of a company’s key credit drivers
- Enhance an understanding of financial ratios
- Evaluate a company’s credit performance
- Gain an in-depth and practical understanding of cash flow
- Construct a cash flow statement and understand the impact of changes in a company’s cash flow drivers (i.e., the impact on debt repayment)
- Understand regulatory framework and pricing
- Identify the borrower, distinguish an adequate debt structure and type of borrowing
Who should attend this seminar?
This is an interactive high-level course designed for mid-level relationship manager and credit professionals. Although not mandatory, it is recommended that delegates have a basic understanding of Accounting and financial statement analysis – prior to participating in this course.
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.
Content
Day One
- Review: Structure framework of credit analysis
- Business Risks – Macro and micro economic assessments
- Financial Statement Analysis – Financial Ratios
- Financial Statement Analysis – Cash Flow Statement
- Financial Statement Analysis – Projections
Group exercises
Day Two
- Financial Risks – Liquidity vs. Solvency
- Financial Risks – Weighted Average Cost of Capital
- Financial Risks – Debt Capacity
- Debt Capacity vs. Borrowing Capacity
- Regulatory framework and pricing (Basel II)
Group exercises
Day Three
- Facility Risks (Borrower Type and Borrowing Type)
- Monitoring problem loans (identifying and resolving issues)
- Capstone assessment case study
- Summary and closing
Please note that the sequence and/or exact subject matter of the programme may differ from what is presented here since the programme 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. 
