Credit Analysis

This training course will give participants a developed knowledge of credit Management. Through a mix of lectures and interactive case studies, participants will be able to perform detailed credit analysis, including analysing market and environment, computing key financial ratios, interpreting cash flows and analysing financing needs.

Credit analysis is a vital process in the financial industry that involves evaluating the creditworthiness of individuals, businesses, or entities seeking credit facilities or loans. The "Credit Analysis" course is designed to equip professionals with the essential knowledge and skills needed to assess credit risks effectively and make informed lending decisions. Geared towards financial analysts, credit officers, loan officers, and risk managers, this course offers a comprehensive understanding of credit analysis principles and techniques.

Throughout the course, participants will delve into fundamental topics related to credit analysis, including analyzing financial statements, assessing borrower's financial health, evaluating credit risk factors, and determining appropriate credit ratings. Emphasis is placed on understanding the key components of credit analysis, such as liquidity, solvency, profitability, and repayment capacity. Other focused areas are Financial needs and the business operating cycle, Review of financial statements, Financial ratio analysis, Corporate cash flow analysis, Cash flow projections for debt service and Key lending policy guidelines

Key Topics

• Financial needs and the business operating cycle
• Review of financial statements
• Financial ratio analysis
• Corporate cash flow analysis
• Cash flow projections for debt service
• Key lending policy guidelines