Credit Analysis
- Price: US$ 200.00
- Publisher: KESDEE
- Number of modules: 13
- Length: 26 - 39 hours
- Language: English
- Subscription: 12 months
Get the Ratios and Tools You Need to Analyze Credit Risks
Credit risk is a major concern for lenders worldwide, especially during the financial crisis. The more they know about the creditworthiness of a potential borrower, the greater the chance to maximize profits, increase market share, lower risk, and reduce their bad debt provisions.
With this course, you will gain a detailed understanding of the credit risk analysis process and learn the tools you need to make good credit decisions. You'll be able to apply credit analysis to assess borrowers in real cases, perform ratio analysis and cash flow analysis, structure loan products, and identify and deal with troubled loans.
Credit Analysis: 13 modules of 2 - 3 hours each
Overview of Credit Analysis
- Credit Risk
- Credit Analysis
- Seven C’s
- Credit Analysis Process
Lending Process
- Credit Process
- Documentation
- Loan Pricing and Profitability Analysis
- Regulations
Financial Statement Analysis
- Ratio Analysis
- Liquidity Ratios
- Turnover Ratios
- Profitability Ratios
- Leverage Ratios
- Market Ratios
- Elements of Cash Flow Statement
- Direct Method
- Indirect Method
- Interpreting Cash Flows
Non-Financial Analysis
- Non-Financial Analysis
- Economy Analysis
- Industry Analysis
-
Business Analysis
Asset Classification and Loan Loss Provisioning
- Asset Quality
- Quantitative and Qualitative Review
- Asset Classification
- Special Mention Asset
- Loan Loss Provisioning
Borrowing Causes and Sources of Repayment
- Operating Cycle
- Capital Investment Cycle
- Sources of Repayment
Problem Loans
- Asset Management Companies
- Securitization of NPLs
- Debt Restructuring
- Preventing Problem Loans
Consumer Installment Lending
- Types and characteristics of consumer installment lending
- Various types of Installment loans
- Dealer Agreement, Recourse and Dealer Reserve
- Common risks faced in consumer installment lending
Floor Plan Lending
- Characteristics of Floor Plan Lending
- Methods of Floor Plan Lending
- Risks Associated with Floor Plan Lending
Accounts Receivable and Inventory Lending
- Accounts Receivable and Inventory Based Lending
- Risks faced in Accounts Receivable and Inventory Based Lending
Participation Loan
- Concept of Loan Participation
- Need for Loan Participation
- Process of Loan Participation
- Risks faced in Loan Participation
Letter of Credit and Loan Commitments
- Concept of Letter of Credit (LC)
- Types of Letter of Credit
- Risks faced in Letter of Credit
- Loan commitments, Unfunded lines of credit and their characteristics
- Potential credit risk in loan commitments and unfunded lines of credit
Bonus: Key Calculations in the Credit Analysis Course
1. Asset Quality
2. Cash Flow Statement
3. Generating Cash Flow Statement
4. Ratio Analysis
5. Calculating Desired Ratios
6. Loan Pricing
7. Borrowing Causes
8. Floor Plan-Curtailment Program
