:Module One
Role Of The Credit Analyst And Lending Officer
a) The role of the credit analyst
b) Stakeholders and their priorities
c) The credit analyst’s network and resources
d) Loan interview techniques
e) How to develop a loan handbook
Group Exercise
Define the key stakeholders in your organization involved in credit risk and management, develop a workflow structure and diagram
Credit Analysis Procedures
a) The credit analysis process – the five C’s and PARSER
b) Regulatory issues – update on Basel II
c) What is the manager’s loan handbook
Group Exercise
Develop a checklist on the key credit analysis processes currently necessary within your organization
:Module Two
Structuring A Credit To Minimize Risk
a) Proper loan structuring recommendations
b) Collateral coverage analysis
c) Loan covenant considerations
d) Guarantor analysis
Group Exercise
Formulate a Balanced Scorecard utilising a case study
:Module Three
Non-Performing Loans/Distressed Debt
a) Evaluating investment opportunities in debt heavy businesses
b) Reviewing restructuring opportunities
c) Implementing a system of red flag projections
:Module Four
Financial Projections And Analysis
a) Development of a loan portfolio
b) Asset management
c) Loan funding techniques
d) Balance sheet impact
e) Marketing opportunities for loan portfolio development
f) Business and industry analysis
Group Exercise
a) Construct a loan portfolio and undertake a risk assessment
b) Further development of your individual loan manager’s handbook
Advanced Analytical Techniques
a) Methods of generating and determining growth
b) Break-even analysis and building a business for ROI
c) Customer and segmentation profitability
d) Mergers and Acquisitions (M&A)
e) Finalize the loan manager’s handbook
:Module Five
Current Issues In Credit Analysis
:Group Exercise
There will be individual and team case studies assigned
Final Examination
The final examination will be in a Multiple-Choice format