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Commercial Credit Analysis
Structured to provide bankers with
a complete set of analytical skills necessary to evaluate
business lending opportunities, Commercial Credit
Analysis is a self-study course that presents sound
techniques for the analysis of each financial statement.
The course also focuses on business, industry and management
risk, and encourages learners to look beyond the financial
ratios to evaluate overall credit risk using a case
study approach.
| Course
Objectives |
| After
completing this course, the learner will be able
to: |
 |
Evaluate risk
factors indicated by a company's business and management |
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Calculate financial
statement ratios and identify trends |
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Analyze a company's
earnings history and prospects |
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Assess a company's
financial condition and outlook |
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Determine
a company's cash flow and forecast debt repayment
ability |
| Course
Content |
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Business
and industry risk |
|
Evaluating
management |
|
Financial
statement quality |
|
Measuring
profitability |
|
Determining
short and long-term asset quality |
|
Assessing
sources of liquidity |
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Assessing
financial leverage |
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Evaluating
cash flow and repayment ability |
|
|
| Course
Modules |
Module
1 - Qualitative Company Analysis
Module 2 - Income Statement Analysis
Module 3 - Balance Sheet Analysis
Module 4 - Cash Flow Analysis
Module 5 - Credit Risk Analysis
Case Studies Book |
| Target
Audience |
| This course
is appropriate for credit analysts and commercial
lenders. It is suitable for both entry-level individuals
and experienced bankers who want to enhance their
analytical skills. |
| Delivery
Options |
| This course
is designed to allow learners to work independently
and at their own pace, concentrating on the areas
they need most. When multiple learners are involved,
the materials can also be used in conjunction with
periodic review and application sessions to capitalize
on the benefits of classroom learning. |
| Each
set of participant materials includes: |
|
Complete explanations
of concepts, examples, and exercises with answer
keys |
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Review sections
at the end of each module, highlighting key concepts
and providing self-testing opportunities |
|
Comprehensive
case studies allowing the learner to practice each
new skill throughout the course |
| In
addition, an Administrator's Guide is available
to benefit the manager, trainer or group leader.
The Administrator's Guide includes: |
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Pre- and post-tests
with answer keys |
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Instructions for
assigning and administering the course as a self-study |
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Suggestions and
facilitation outlines for conducting the course
in a group setting |
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Discussion points
for review of the comprehensive cases |
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