Credit Analysis - Online

This course gives an introduction to the concept of credit risk and analysis and the lending process followed by banks. Students are refreshed on ratio, cash flow and non-financial analysis as used in credit analysis.

This course goes on to explain the impact of problem loans and the concepts of Consumer Installment Lending, Floor plan lending which is a specialized revolving line of credit. Also included is an introduction to the concepts of Accounts Receivable and Inventory Lending, Participation Loans, Letter of Credit and Loan Commitments.

This is an online self study course that can be globally accessed from any internet enabled computer. Access is for 91 days. Certificates with earned credits will be awarded upon successful completion.

Available TodayOnlineUSD$250
Instructional Method:
Self-Study
Level: Basic

CEU CREDITSICB CREDITS
2618.5
Financial analysts, portfolio managers, credit officers, commercial bankers, loan and lending professionals, and credit risk managers.
Students will be able to:
  • Apply credit analysis to assess borrowers in real cases
  • Perform ratio analysis and cash flow analysis
  • Structure loan products in a competitive way
  • Identify and work-out problem loans
"This course was great. I don't regret taking a chance with an online course. Thank you very much!"
"The course material was clear and easy to understand. The audio, video and job aid material made understanding much easier. The presentation of the material related to real life situations which made retention easy."
  • Corporate Credit Analysis - Online
  • Credit Ratings - Online
  • Counterparty Credit Risk - Online
  • Overview of Credit Portfolio Risk Management - VIRTUAL RECORDING
  • Introduction to Corporate Credit Analysis - Online
    • Language Options
    También, se ofrece este curso en Español. Llamada para más información.
    Overview of Credit Analysis
    Topics covered include:
    • Stages in credit risk
    • Importance of credit analysis in credit risk
    • Principles of credit analysis
    • Seven C's of credit analysis
    • Steps in credit analysis process
    Duration: 1 hour

    Lending Process
    Topics covered include:
    • Various steps involved in loan appraisal
    • Components of a bank's lending policy
    • Loan Documentation
    • Loan Pricing and Profitability Analysis
    • Regulations related to lending
    Duration: 1.5 hours

    Financial Statement Analysis - I
    Topics covered include:
    • Various types of ratios including liquidity ratios, turnover ratios, profitability ratios, leverage ratios and market ratios
    • Importance of these ratios
    • Comparative analysis
    • It also has a calculator for calculating various ratios from a Balance Sheet and P & L Account
    Duration: 1.5 Hours

    Financial Statement Analysis - II
    Topics covered include:
    • Statement of Cash Flows
    • Cash flow from operating, investing and financing activities
    • Direct and indirect method of preparing statement of cash flows
    • How to interpret cash flows for decision making
    Duration: 1 hour

    Non-Financial Analysis
    Topics covered include:
    • Economy, Industry and Company (EIC) framework
    • Models for non financial analysis
    • Case studies for analysis
    Duration: 1 hour

    Asset Classification and Loan Loss Provisioning
    Topics covered include:
    • Need for asset quality assessment
    • Quantitative and Qualitative Review of asset quality
    • Categories of asset classification
    • Special mention assets
    • Loan classification practices in various countries
    Duration: 1 hour

    Borrowing Causes and Sources of Repayment
    Topics covered include:
    • Need for asset quality assessment
    • Quantitative and Qualitative Review of asset quality
    • Categories of asset classification
    • Special mention assets
    • Loan classification practices in various countries
    Duration: 1 hour

    Problem Loans
    Topics covered include:
    • Non-performing loans (NPLs)
    • Methods of resolving NPLs
    • How to prevent NPLs
    Duration: 1.5 hours

    Consumer Installment Lending
    Topics covered include:
    • Types and characteristics of consumer installment lending
    • Various types of Installment loans
    • Dealer Agreement, Recourse and Dealer Reserve
    • Common risks faced in consumer installment lending
    Duration: 1 hour

    Floor Plan Lending
    Topics covered include:
    • Characteristics of Floor Plan Lending
    • Methods of Floor Plan Lending
    • Risks Associated with Floor Plan Lending
    Duration: 1 hour

    Accounts Receivable and Inventory Lending
    Topics covered include:
    • Concept of Accounts Receivable and Inventory Based Lending
    • Risks faced in Accounts Receivable and Inventory Based Lending
    Duration: 1 hour

    Participation Loan
    Topics covered include:
    • The Concept of Loan participation
    • Need for Loan participation
    • Process of Loan participation
    • Risks faced in Loan participation
    Duration: 1 hour

    Letter of Credit and Loan Commitments
    Topics covered include:
    • Concept of Letter of Credit (LC)
    • Types of Letter of Credit
    • Risks faced in Letter of Credit
    • Loan commitments, Un-funded lines of credit and their characteristics
    • Potential credit risk in loan commitments and un-funded lines of credit
    Duration: 1 hour

    Job Aids & Take Aways
    Included:
    • Benchmarking Template
    • Disclosures
    • Measurement Tools
    • Global Best Practices
    • Regulations

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