Training Catalog

Credit Risk and Cash Flow Analysis




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.


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.


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


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.

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"

Case "Financial projections"
The World Bank & U.N. about out-of-court debt restructuring
Case "A Wholesaler Needs to Grow"
Case "Unreliable Financials"

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"

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.


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.


No exam is available for this course.


For further questions please contact our partner in your country


Credit Risk and Cash Flow Analysis

One of the most attractive training courses I've attended. It gives you another perspective on the financial situation of the company and the importance of the cash flow. Very interactive and Useful. 


Ledion MALOKU  -  Kosovo

Credit Risk and Cash Flow Analysis

The training was very helpful, we've learned a lot. The trainer was very cooperating with the participants , which made it very easy for us to feel comfortable to talk and ask questions. I really likedd the xperience, since te traiing was everything that we work with. Thank you. 


Verona AVDYLI  -  Republic of North Macedonia

Credit Risk and Cash Flow Analysis

I will recommend this training to other colleagues too because it was very useful and completed with great examples. Also the trainer was very friendly and he really owns this topic. 

Agron ZEKA  -  Republic of North Macedonia

Credit Risk and Cash Flow Analysis

Very interesting training with a lot of insight and practical analysis. Great interaction with the trainer. I will definitely suggest this training to my colleagues in financial analysis. 

Evgjeni BARDHI  -  Albania

Credit Risk and Cash Flow Analysis

This course was absolutely amazing. Professor used real life examples and emphasized the key issues we should pay attention when analyzing a credit application. I can firmly say that this course has been very helpful which will have an impact in my daily work activities.

Vatra PYLLA SHALA  -  Kosovo

Credit Risk and Cash Flow Analysis

The training gave me the possibility of analyzing the cash flow in a more comprehensive simplistic and detailed way. I was able to scrutinize the income statement and balance sheet and see the warning signs. We saw a more dynamic way of analyzing the underlying risks in companies' activities and analyzing them, in order to conclude whether we will give credit or not. We saw some new and very interesting concepts.  

Vanessa BARBOSA  -  Cape Verde

Credit Risk and Cash Flow Analysis

The training course met my expectations! Great presentation style with lots of opportunities to ask questions and talk about real life events. Would definitely recommend, a very enjoyable and informative course. 

Telma GOMES  -  Cape Verde

Credit Risk and Cash Flow Analysis

The training course was excellent; we had the chance to refresh our knowledge with case studies and examples. The trainer was devoted, ready to teach and help in every moment.

Ivana CHADIKOVSKA SEKULOVSKA  -  Republic of North Macedonia