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Credit Structuring

for Lending to Small & Medium Size Companies

Key Learning Goals

Learn how to identify credit risks and the various methods to mitigate and monitor them.

Learn what to watch-out when extending credit facility to small and medium size companies.

Learn how to analyze income statement, balance sheet, financial ratios and cash flow projection taking into consideration the company’s internal and external environments.

Get the opportunities to get hands-on experience in developing and preparing financial and cash flow projection models using Microsoft Excel spreadsheet.

Key Learning Outcomes

> Learn what is credit risk, its key causes and why the understanding of the cause and effect concept is very important to be able to mitigate credit risks.

> Learn how to develop credit risk mitigation methods for a specific customer and translate them into appropriate credit process, credit facility’s terms & conditions and internal risk triggers.

> Learn how to analyze a company's’ external environments (economic/ industry condition and government regulations) and its internal environments (company’s management and operation) to identify the company’s key risk areas and determine the appropriate risk mitigations and internal risk triggers.

> Learn how to analyze a company’s income statement, balance sheet and financial ratios to identify the company’s key risk areas and determine the appropriate risk mitigation, financing needs and capability to repay its financial obligations.

> Learn how to develop the key assumptions for the financial and cash flow projection models using the results of the qualitative and historical financial statement analysis.

> Learn how to prepare projection models for income statement, balance sheet and cash flow using Microsoft Excel spreadsheet.

> Learn how to analyze the income statement, balance sheet and cash flow projection to identify a company’s financing needs, its capability to repay and key risk areas that must be mitigated.

> Learn what to watch-out during the information gathering, proposal preparation, documentation, disbursement and monitoring of credit facility for small and medium size companies.

> Get individual attention and support by experienced facilitator throughout the workshop.

> Get over 250 pages of course documentation, case studies and solutions to the course exercises and case studies.

Who should attend?

Credit Structuring for Lending to Small and Medium Size Companies workshop is an intensive and hands-on 5-day training program.

It has been designed for those who need to know or refresh their knowledges about how to effectively collect and analyze customer related information, develop credit structures to mitigate the identified credit risk and conduct on-going monitoring on credit facilities for small and medium size companies.

The course is perfect for anyone who wishes to receive personalized, expert coaching in overcoming the challenges when lending to small and medium size companies.

Past participants of this workshop included bank’s Area Managers, Branch Managers, Relationship Managers, Credit Analyst, Risk Managers, Legal Officers and Credit Administration Officers. Other bank officers who are not directly involved in a bank’s lending process will also benefit from this course, by being able to identify potential risks that may occur during the process of credit initiation, documentation, disbursement, monitoring and collection.

Credit Structuring Framework

Training programs

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