Explore Financial Academy
About the Academy
Discover our Rich, 60-Year Journey
Jadarat
A Comprehensive System for Skill and Knowledge Development
Governance
Meet our Inspiring Leadership
Success Stories
Check out our Clients’ Reviews and Testimonials
...
A professional program designed to qualify specialists in SME financing and enhance their skills in credit analysis and project evaluation. It provides practical knowledge in risk management aligned with international standards such as Basel and IFRS 9, while focusing on building strong banking relationships and effectively developing financing portfolios.
The program aims to qualify and comprehensively prepare the involved parties in the field of financing small and medium-sized enterprises, particularly relationship managers, credit analysts, and numerous other roles. The program assists them in understanding the nature of small and medium-sized enterprises and how they differ from larger corporations. It covers evaluating projects and preparing credit studies, both quantitatively and qualitatively, using various models based on the size of the enterprise, required funding, and different types of risks according to international standards like Basel and IFRS9. It also focuses on market analysis, marketing opportunities, stages of communication, and attracting clients to initiate relationships with banks or financing companies, studying, approving, and executing financing, understanding and aligning banking products with client needs to develop the banking relationship through vertical and horizontal selling, achieving targets, and finally monitoring portfolios to identify early warning signs before default and strategies to address them
Banking
Financing
Small and Medium Enterprises (SMEs)
Not Exist
Lecture
Case Studies +4
Lecture
Case Studies
Practical Implementation
Dialogue and Discussions
Role-play
Exercises and assignments
Research or Project
1SMEs new comers
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.
In Class Training-Online Training
Stages of development of small and medium enterprises globally and locally
Contribution of the small and medium enterprises sector to the economy of the Kingdom of Saudi Arabia in line with its vision.
The role of the Saudi banking sector in supporting and financing micro, small, and medium enterprises.
Developing a model for providing banking services to small and medium enterprises.
The current status and potential of small and medium enterprises
What are small and medium enterprises?
In Class Training-Online Training
The importance of credit analysis and project evaluation.
General principles underlying banking credit.
Credit patterns
Credit patterns based on the term.
Credit patterns based on the borrower's profile or institution.
Credit patterns based on collateral.
Unsecured bank credit.
Key elements influencing the credit granting decision.
In Class Training-Online Training
Foundations of credit analysis for small and medium enterprises.
Quantitative analysis - qualitative analysis.
Credit analysis (customer and entity evaluation).
Key elements for granting credit to small and medium enterprises.
The 5P's method.
The 7C's method.
Foundations for creditworthiness evaluation and customer classification.
Credit Scoring.
In Class Training-Online Training
Application and behavioral assessment.
Moody's Credit Lens tool for credit lifecycle management.
Decision-making elements for granting credit to micro, small, and medium enterprises.
Stages of credit granting.
Comprehensive analysis of field visits.
Customer analysis - management.
Analysis of industries/sectors and models of small and medium-sized businesses.
Analysis of the client's financial position - creditworthiness assessment.
Estimation of funding gap
example for calculating working capital and determining the financing needs for its different components
In Class Training-Online Training
Assessing the primary risks and how to address them.
Financial analysis as a requirement in credit analysis, including financial statement tabulation.
Financial statement tabulation - Spreading.
Understanding financial statements (as an assessment tool).
Concept and role of financial analysis in small and medium-sized projects.
Concept of working capital and its importance in financial analysis.
Methodologies of financial analysis.
Financial analysis using financial ratio methodology.
Liquidity and profitability indicators.
Growth and activity indicators.
Activity ratios (Asset utilization efficiency).
Financial structure indicators (Capital structure).
Asset Transformation Cycle lending mechanisms.
Asset Transformation Cycle risks.
Permanent and seasonal working capital.
Cash flow-based lending methodology.
Summary.
In Class Training-Online Training
Understanding the credit risks for lending to small and medium enterprises.
The importance of risk management and its functions in banks.
Classification of risks faced by banks.
Classifying credit risks from the perspective of the credit stage or life cycle.
Classifying credit risks based on the source of risk.
Factors influencing the increase in credit risks.
The importance of evaluating customer creditworthiness.
Analyzing risks in small and medium-sized projects.
Basel II Committee principles in credit risk management.
Different characteristics of banking transactions for small and medium enterprises.
Impact of risks on banking transactions for small and medium-sized enterprises.
Classifying risks in small and medium-sized projects - activity-related risks.
Case study.
Key stages in dealing with banking risks for small and medium-sized enterprises.
Asset Transformation Cycle risks.
Tools necessary for managing banking transaction risks for small and medium enterprises.
Components of credit risk management.
Summary.
In Class Training-Online Training
Understanding credit principles. Procedures for financing set by the Saudi Central Bank.
Introduction to lending methodologies for small and medium enterprises.
Key elements for studying credit provision. Elements for making credit granting decisions. Foundations of credit
Types of banking credit
Corporate legal framework and structure.
Training: Importance of using credit granting methods for their
Lending approach for the Asset Transformation Cycle.
Example illustrating stages of the Asset Transformation Cycle
Risks of the Asset Transformation Cycle.
Working capital mechanism.
Differentiating financing needs.
Cash flow-based lending approach
In Class Training-Online Training
Creditworthiness assessment.
Characteristics of credit analysis for cash flow-based lending.
Asset-backed lending approach, Characteristics of credit analysis
Logic behind asset-backed financing , Reasons for using asset-backed
Unsecured asset-backed loans.
Estimation-based liquidation analysis.
Secured asset-backed loans.
Management loan
Cross-border lending approach ,Approaches to lending designed for small and micro-enterprises.
Various regulations for credit facilities - revolving financing. ,Various regulations for credit facilities - international trade activities.
In Class Training-Online Training
In Class Training-Online Training
In Class Training-Online Training
In Class Training-Online Training
In Class Training-Online Training
In Class Training-Online Training
In Class Training-Online Training
Understanding the significance of small and medium enterprises for financial institutions in
Understanding the foundations and methodologies of credit analysis and evaluation of small and medium enterprises regarding possibilities of financial hardship and failure
Acquiring comprehensive skills in financial analysis indicators of financial statements to evaluate small and medium enterprises and ensure their credibility.
Understanding and identifying the risks of banking transactions for small and medium enterprises and principles to mitigate them
5Understanding the foundations of structuring and building credit facilities (collateral, terms, controls, structure of terms list, failure probabilities).
Grasping the foundations and requirements for preparing credit memorandum for small and medium enterprises.
7Exploring and identifying available marketing opportunities in the small and medium enterprises market
8Understanding the key components of managing customer relationships from small and medium enterprises
Acquiring skills in managing critical points during the life cycle of small and medium enterprises
Understanding vertical and horizontal selling techniques for small and medium enterprises
