Description
Introduction
Banks play a crucial role in allocating financial resources. Many companies in a country are dependent on the loans and credit facilities that banks provide. Meeting the demand of these companies efficiently will support social and economic developments.
Objectives
The workshop will make the busy life of credit officers easier. A ten-step approach will enable them to focus on the important issues quickly:
Judging future cash flows and assessing a credit risk rating by hand.
Helping the borrower to set reasonable financial goals.
Giving concise & clear recommendations to credit committees.
Programme
This course covers the following subjects:
- Warning signals in the cash flow statement
- The debt burden
- Liquidity
- Financial projections
- Industry analysis
- Management quality and reliability of financial information
- Judging business plans
- Assessing a risk rating by hand (= not by computer)
- Tips to write a clear and concise financial analysis
IN WHICH CASES IS THE WORKSHOP NOT USEFUL?
Cases about small, medium-sized and big companies are part of the program. The lessons learned are NOT useful to analyse very small/micro companies and financial institutions.
PART 1
The Toolbox, a practical analytical framework
Refreshing knowledge, especially about cash flows
Case "Warning Signals in the Cash Flow Statement"
Case "A profitable retailer going bankrupt"
PART 2
Case "Financial projections"
The World Bank & U.N. about out-of-court debt restructuring
Case "A Wholesaler Needs to Grow"
Case "Unreliable Financials"
PART 3
Case "A Franchise Company & Aggressive Management"
Writing tips & an efficient credit process
Case "A Possible Victim of Climate Control Measures?"
Case "Technological Disruption in the Car Industry"
PART 4
Case "Two Clean Energy Companies"
Case "Oil & Mining"
Case "A Transport Company is Sold"
Conclusions & Evaluation
Target Audience
The workshop is created for professionals involved in extending and monitoring business loans and who are interested in tricks and tips to improve their efficiency. Both senior and junior staff will enjoy the real-life examples and the lively discussions. It is exciting and fun.
Prerequisites: knowledge about the basics of accounting.
Modalities
Course Material
Please note that for environmental reasons no paper version of the training material will be provided for your training. The course material can be downloaded free of charge via your portal before the start of the course (download the Client Portal User’s Guide here ). You will be able to view it on the screen of your mobile device or print it if necessary. If your registration has been made by a training manager of your company please contact him/her so that he/she can give you access to it or send it to you.
Exam
No exam is available for this course.
Contact
For further questions please contact our partner in your country