Intermediate Credit Analysis and Management
Developing enhanced skills and expertise in Credit Risk Analysis and Management is a foremost and invaluable requirement in financial institutions (especially banks) in their roles as financial intermediaries in the financial market, even as global and local regulatory authorities continue to emphasize risk-based supervision of players.
For lending officers and managers who have already attended the Basic Credit Analysis Course, and now possess the basic skills in lending, this programme would further deepen their credit expertise especially in the following areas: working capital analysis; financial risks analysis; non-financial risks analysis; risk ratings and credit scoring; cluster lending or credit programmes; loan portfolio monitoring and delinquency management; among other critical issues for credit analysts and lending officers.
Objectives
- teach delegates how to analyse more complex financial statements and make advanced adjustments to reported numbers to work out underlying trends and ratios
- help delegates understand the main considerations for establishing parent/subsidiary/affiliate ratings
- introduce delegates to specific credit products including hybrids, supplier finance, green loans/bonds, social loans/bonds and commodity bonds
- help delegates understand how to advise corporate clients on more complex debt structures, in the context of creating an optimal capital structure
- teach delegates how to analyse the statements of distressed firms and how to spot early warning signs
- teach delegates how to restructure the operations and capital of distressed firms that are worth rescuing