Corporate Banking Series
Corporate Credit & Financial Statement Analysis Course
Course Objective：
This is a credit analysis program to help equip participants with essential and all-round corporate credit analysis skills. The course is divided into two levels.
Duration：
6 hours - 1.5 days
Course Content：
Basic level (6 hours) :
Understanding essential lending principles
Lending decision making model and sources of evidence
Structured credit analysis combining qualitative and quantitative tools: (i) Business risks at each stage of the industry cycle; (ii) Industry risk & competitive advantages in different industries; (iii) Group discussion SME lending approach introduction
Understand the credit risk management hierarchy & division of work
Advanced level (1.5 days 6 hours per day) :
Credit risk analysis and ratio analysis
Financial statements, auditor opinions and accounting principles
4 basic categories of financial ratios: profitability, productivity, liquidity and solvency
Definitions of financial ratios and what make those ratios change
Overtrading with focus on SME lending
More advanced analysis: cash flow statement analysis: (i) Accrual vs. realization concept and importance of cash flow; (ii) Techniques of cash flow structural analysis, trend analysis & cash flow ratios
Accounting warning signs
Comprehensive real case study
Credit proposal writing (format, content, technique and examples)
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