Intro To Commercial Credit Analysis, Credit Risk And Lending

Commercial Credit Underwriting | Lending & Commercial Credit | Financial Analysis | Credit Risk | Foundations

What you'll learn

Understand the process of credit analysis including risk identification, analysis and mitigation

Build and apply finance skills to analyze business, financial and structural risks

Identify the appropriate information requirements for analysis and underwriting

implement a structure for business risk analysis from macro, industry, and company-specific levels of detail

Apply industry and company specific risk analysis tools (including the BCG Matrix and Porter’s 5 Competitive Forces)

Analyze the key functional areas of a business, including through a SWOT analysis

Dig into a company’s key financial statements (including income statement and balance sheet)

Analyze financial statements and other relevant data to assess the creditworthiness of a borrower.

Determine appropriate credit risk categories and ratings for a borrower based on a thorough credit analysis.

Evaluate the feasibility of a credit request, taking into account the borrower's industry, market conditions, and other relevant factors.

Recommend credit decisions and lending terms based on the results of a credit analysis and risk assessment.

Requirements

Knowledge of the English language.

A basic understanding of accounting and the structure of the three key financial statements is required.

A financial calculator is recommended for this course.

Description

A comprehensive course designed to furnish credit professionals to make commercial lending decisions based on "conclusion-based" analysis. Participants will develop their analytical skills through the application of a logically structured framework which we present. Starting with the identification of the deal and credit structure, it logically works through the analysis process from business risk to financial risk then to structural risk. In addition, it will compare and contrast different industry dynamics.  This course contains 42 lectures across 8 sections, introducing and then covering each concept in-depth and providing examples.  More about this course and StarweaverThis course is led by a seasoned commercial and corporate credit industry practitioner and executive with many years of hands-on, in-the-trenches risk analyst work. It has been designed, produced and delivered by Starweaver. Starweaver is one of the most highly regarded, well-established training providers in the world, providing training courses to many of the leading financial institutions and technology companies, including:Ahli United Bank; Mashreqbank; American Express; ANZ Bank; ATT; Banco Votorantim; Bank of America; Bank of America Global Markets; Bank of America Private Bank; Barclay Bank; BMO Financial Group; BMO Financial Services; BNP Paribas; Boeing; Cigna; Citibank; Cognizant; Commerzbank; Credit Lyonnais/Calyon; Electrosonic; Farm Credit Administration; Fifth Third Bank; GENPACT; GEP Software; GLG Group; Hartford; HCL; HCL; Helaba; HSBC; HSBC Corporate Bank; HSBC India; HSBC Private Bank; Legal & General; National Australia Bank; Nomura Securities; PNC Financial Services Group; Quintiles; RAK Bank; Regions Bank; Royal Bank of Canada; Royal Bank of Scotland; Santander Corporate Bank; Tata Consultancy Services; Union Bank; ValueMomentum; Wells Fargo; Wells Fargo India Solutions; Westpac Corporate Bank; Wipro; and, many others.Starweaver has and continues to deliver 1000s of live in-person and online education for organizational training programs for new hires and induction, as well as mid-career and senior-level immersion and leadership courses.If you are looking for live streaming education or want to understand what courses might be best for you in technology or business, just google:starweaver journey builder starweaver[dot]comHappy learning.

Overview

Section 1: General Principles of Lending

Lecture 1 Welcome!

Lecture 2 General Principles of Lending - Part 1

Lecture 3 General Principles of Lending - Part 2

Lecture 4 General Principles of Lending - Part 3

Lecture 5 General Principles of Lending - Part 4

Section 2: Accounting 1

Lecture 6 Accounting 1 - Part 1

Lecture 7 Accounting 1 - Part 2

Lecture 8 Accounting 1 - Part 3

Lecture 9 Accounting 1 - Part 4

Lecture 10 Accounting 1 - Part 5

Lecture 11 Accounting 1 - Part 6

Lecture 12 Accounting 1 - Part 7

Lecture 13 Accounting 1 - Part 8

Lecture 14 Accounting 1 - Part 9

Lecture 15 Accounting 1 - Part 10

Lecture 16 Accounting 1 - Part 11

Section 3: Accounting 2

Lecture 17 Accounting 2 - Part 1

Lecture 18 Accounting 2 - Part 2

Lecture 19 Accounting 2 - Part 3

Section 4: Business Risk Analysis

Lecture 20 Business Risk Analysis - Part 1

Lecture 21 Business Risk Analysis - Part 2

Lecture 22 Business Risk Analysis - Part 3

Lecture 23 Business Risk Analysis - Part 4

Lecture 24 Business Risk Analysis - Part 5

Section 5: Financial Risk Analysis 1: Key Risk

Lecture 25 Financial Risk Analysis 1: Key Risk - Part 1

Lecture 26 Financial Risk Analysis 1: Key Risk - Part 2

Lecture 27 Financial Risk Analysis 1: Key Risk - Part 3

Lecture 28 Financial Risk Analysis 1: Key Risk - Part 4

Section 6: Financial Risk Analysis 2: Ratio Analysis

Lecture 29 Financial Risk Analysis 2: Ratio Analysis - Part 1

Lecture 30 Financial Risk Analysis 2: Ratio Analysis - Part 2

Lecture 31 Financial Risk Analysis 2: Ratio Analysis - Part 3

Lecture 32 Financial Risk Analysis 2: Ratio Analysis - Part 4

Section 7: Financial Risk Analysis 3: Cash Flow & Liquidity

Lecture 33 Financial Risk Analysis 3: Cash Flow & Liquidity - Part 1

Lecture 34 Financial Risk Analysis 3: Cash Flow & Liquidity - Part 2

Lecture 35 Financial Risk Analysis 3: Cash Flow & Liquidity - Part 3

Lecture 36 Financial Risk Analysis 3: Cash Flow & Liquidity - Part 4

Lecture 37 Financial Risk Analysis 3: Cash Flow & Liquidity - Part 5

Lecture 38 Financial Risk Analysis 3: Cash Flow & Liquidity - Part 6

Lecture 39 Financial Risk Analysis 3: Cash Flow & Liquidity - Part 7

Section 8: Financial Risk Analysis 4: Management Accounts & Projection

Lecture 40 Financial Risk Analysis 4: Management Accounts & Projection - Part 1

Lecture 41 Financial Risk Analysis 4: Management Accounts & Projection - Part 2

Lecture 42 Financial Risk Analysis 4: Management Accounts & Projection - Part 3

Lecture 43 Financial Risk Analysis 4: Management Accounts & Projection - Part 4

Section 9: Closing Remarks

Lecture 44 Take-aways

Relationship managers (0-5 years) in commercial, corporate and investment banking.,Analysts and associates in commercial, corporate and investment banking.