Credit Risk Analysis
Critical Skills Series
Learn to assess a borrower's risk position based on debt capacity and cash flow. Identify minimum required financial information for credit decisions. Understand the impact of distributions, withdrawals, and balance sheet changes on debt service ability.
“The presenter did a very nice job of keepoing at a pace that kept the participants invovled and able to follow along.”
~Vice President of Credit, Commercial Bank in New York
~Vice President of Credit, Commercial Bank in New York
What You Will Learn
Learn a process for establishing a borrower's risk position based on debt capacity and cash flow. Identify the minimum financial information required to adequately assess the four fundamental issues in every credit decision. Understand impact of distributions and withdrawals in assessing borrower cash flow, and how to assess balance sheet changes on a borrower's ability to service its interest-bearing debt.
Target Audience
This Skill Series is ideal for participants currently in or aspiring to enter the following job functions:
- Credit Management
- Commercial Credit Administration
- Commercial Real Estate Administration
- Commercial Loan Administration
- Commercial Loan Portfolio Management
- C & I Lending
- Corporate Lending
- Loan Review
- Special Assets
- Internal Audit
- Private Banking
- Specialized Lending
- Credit Analysis
Prerequisites
Familiarity with financial statements and tax returns, ratio analysis, the UCA cash flow statement and accrual financial statements, including the FASB 95 Statement of Cash Flows.
Skill Series Courses
Minimum Financial Data for Assessing Borrower Risk
Tax Returns vs. Accrual Statements in Assessing Borrower Risk
Borrower Performance, Loan Classification, and the Risk Grid
more than 100 live, On-Demand and self-study courses
for every member of your credit team.
All include cases, exercises, testing & Reporting
for every member of your credit team.
All include cases, exercises, testing & Reporting