Business Credit Analysis School

Join us for an engaging 3-day Business Credit Analysis School where we’ll equip you with the skills to excel in analyzing creditworthiness and providing valuable insights for business lending. This program is designed to develop your analytical abilities, enabling you to tackle comprehensive credit analysis reports with confidence.  All days included in each registration.

To maximize the benefits of this program, we request participants to keep their cameras on. Research shows that this practice enhances peer connections and enriches the online learning experience.

School Curriculum and Schedule

Business lending can both diversify a financial institution’s loan portfolio and increase its return on assets.  In order to be successful in business lending, financial institutions need to have highly qualified personnel skilled in analyzing the creditworthiness of business requests.

The goal of this School is to develop analytical skills.  At the conclusion of the program, you will thoroughly understand and discuss subjects that need to be addressed as part of a comprehensive credit analysis report.

Benefits of Attending:

• Develop Analytical Skills: Through hands-on activities and discussions, you’ll enhance your analytical prowess, making you adept at assessing creditworthiness.
• Interactive Learning Environment: Embrace an empowering learning atmosphere that encourages active participation, ensuring a deeper grasp of the subject matter.
• Certificate of Achievement: Upon completion, you’ll receive a Certificate of Achievement, highlighting your commitment to ongoing banking education.
• Valuable Tools and Skills: Return to your company as a more valuable asset, armed with new tools and skills to conduct thorough credit analysis.

Dates: November 30, December 7, 14, 2023

Times: 1:00pm-4:00pm EST

Registration is Per-Participant.

Daily Program Descriptions:

Agenda

Day One:

Basic Business Credit Analysis Concepts

• • The 5 C’s of Credit
  • Types of Financial Information
  • The Balance Sheet and Important Ratios
  • Business Owners/Guarantors
  • Collateral Analysis
  • Case Studies

Day Two:

Operating Cycle and Cashflow Impacts

• • Working Capital Analysis
  • Assets and Depreciation
  • Debt Analysis
  • Profit and Loss Analysis
  • Case Studies

Day Three:

Loan Repayment

• • Understanding Cash Flow
  • Debt Ratios
  • Global Cashflow
  • Financial Projections
  • Non-Traditional Debt
  • Risk Ratings
  • Covenants
  • Case Studies

Intended Audience: This 3-day Business Credit Analysis School caters to credit analysts and business lending officers seeking to strengthen their ability to conduct in-depth evaluations of business credit needs. Throughout the program, you’ll gain insights into the challenges businesses face in meeting financial obligations and debt service payments.