Principles of Credit and Financial Risk Analysis

3 DAY SEMINAR

(Seminar is not being offered at this time)

Introduction

Professional development has become an absolute necessity in most industries, especially those with a career in finance.  The globalization of and the dynamic nature of financial markets, dramatically elevated the role of risk management in an organization.  To assist you understanding the importance of these changes and the impact on your professional development plans, this course offers the individual a comprehensive insight into Credit and Financial Analysis.

This is a fundamental level course which introduces the delegate to a structured framework of credit analysis.  Emphasis is placed identifying the key qualitative and quantitative drivers of a robust credit analysis (business, financial, as well as borrower type and borrowing type).  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:

• Gain an understanding of the principles of Credit Risk by developing and applying a structured analysis framework
• Discuss the impact of Business, Financial, Borrower Type and Borrowing Type Risks
• Identify and interpret key financial ratios
• Identify trends and forecast basic financial projections
• Evaluate, understand and compose a solid credit proposal

Who should attend this seminar?

This is a course designed as an introduction for persons entering the financial and credit disciplines.  The course does not require any previous knowledge of financial statements or credit analysis skills.

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

• Identifying the key components of Credit Risk
• In-depth analysis of the structured analysis framework
• Financial statements – purpose
• Financial statements – components
• Group Exercises

Day Two

• Key Financial Ratios
• Basic Cash Flow Analysis
• Trend analysis and projections
• Group Exercises

Day Three

• Borrower and matching of Borrower needs
• Interpretation of results
• Capstone assessment and 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