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Corporate lending decisions are among the most impact decisions in the health and stability of financial institutions: a sound credit decision supports national economic growth and job creation, while an incorrect one can expose an institution to significant financial risks. This program offers students and graduates entering the banking and financing sectors a comprehensive, simplified methodology for understanding the foundations of corporate lending and credit and how to professionally assess creditworthiness. Day One establishes a clear understanding of corporate finance concepts, legal structures, and the types of short-term and long-term financing needs, before introducing participants to the types and concepts of credit facilities. It then dives into credit analysis using financial ratios and cash flow analysis as essential tools for evaluating repayment capacity, reinforced by a practical exercise on a real credit case. Day Two covers two core dimensions: the strategic dimension through evaluating the company's strategic plan, capital structure, and financing options and their impact on the lending decision; and the application dimension through implementing the credit worthiness assessment framework (5 C's), building a credit file, and delivering a credit recommendation. The program concludes with credit monitoring controls, credit transaction oversight, and early warning indicators of credit default.
Banking
Financing
إعداد نماذج الائتمان
تحليل التصنيف الائتماني +4
إعداد نماذج الائتمان
تحليل التصنيف الائتماني
العمليات التمويلية
إعداد التمويل
العمليات البنكية
إدارة المخاطر
Credit
Not Exist
Lecture
Case Studies +3
Lecture
Case Studies
Brainstroming
Practical Implementation
Dialogue Teams
Pre Assessment
Post Assessment
Students and graduates
Students and graduates
This provides you with the opportunity to select the available times that suit you best for participation in our program. These times represent slots during which we are ready to welcome you and provide assistance and guidance.
Online Training
Corporate Credit Concept
Corporate Legal Structure for companies
Multiple Financing Needs
Study and analysis of financial ratios for credit analysis
Cash Flow study and Evaluation for the company project
Online Training
Strategic and Operational Plan Evaluation and Study
Capital Structure and Financial Tools used
Diverse financing options
How does capital structure affect the lending decision and risk identification?
The relationship between the strategic plan and the ability to service debt
Online Training
The credit worthiness assessment framework
How to build a credit file and present a logical credit recommendation
Credit monitoring controls and methods after disbursement
Monitoring credit transactions to ensure compliance with organizational credit policy
Early warning signs of credit default and how to handle them
Collect and classify data to be used to obtain credit efficiency ratios and for obtaining a fair and true assessment of the credit capacity and financial position of the company.
Understanding the company financial strategic plan and knowing its objectives, implementation, and management tools to support the evaluation and analysis of the feasibility study and the cash flow models.
Determine the ability and creditworthiness of the company to propose appropriate financing alternatives according to the capital structure and apply the best options.
Assisting the company in obtaining new financing options and supporting the bank in providing new financing.
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