Commercial Credit Analysis Training Course

Introduction

Empower financial professionals to make informed lending decisions and mitigate credit risk with our comprehensive Commercial Credit Analysis Training Course. This program equips you with the essential knowledge and skills to analyze the financial health of businesses and corporations, assess their creditworthiness, and evaluate the specific risks associated with lending to commercial entities. Mastering commercial credit analysis is increasingly vital for institutions seeking to minimize losses, optimize their lending portfolios, and maintain financial stability in the commercial lending sector. Our business credit analysis training course offers in-depth guidance and practical applications for understanding and interpreting financial data related to businesses and corporations.

This Commercial Credit Analysis training course delves into key areas such as financial statement analysis, ratio analysis, cash flow analysis, industry analysis, management assessment, and credit risk assessment specific to commercial borrowers. You will gain expertise in evaluating the financial strength of businesses, identifying potential risks, and making sound credit judgments in the context of commercial lending. Whether you are a credit analyst, loan officer, or portfolio manager specializing in commercial lending, this Commercial Credit Analysis course will provide you with the tools and knowledge to confidently assess credit risk and make informed lending decisions.

Target Audience:

• Credit Analysts
• Commercial Loan Officers
• Relationship Managers
• Portfolio Managers
• Risk Managers
• Commercial Bankers
• Finance Managers

Course Objectives:

• Understand the principles of commercial credit analysis.
• Master techniques for financial statement analysis of businesses.
• Perform comprehensive ratio analysis for commercial borrowers.
• Analyze cash flow statements of companies.
• Assess the creditworthiness of businesses and corporations.
• Evaluate management quality and industry risk.
• Identify potential risks in commercial lending.
• Make informed credit judgments for business loans.

Duration

5 Days

Course content

Module 1: Principles of Commercial Credit Analysis

• Understanding the principles of commercial credit analysis.
• Exploring the role of credit analysis in commercial lending decisions.
• Understanding the key factors in assessing credit risk for businesses.
• Analyzing the different types of commercial loans.
• Understanding the legal and regulatory framework for commercial credit.

Module 2: Financial Statement Analysis for Businesses

• Mastering techniques for financial statement analysis of businesses.
• Understanding the components of financial statements for companies.
• Analyzing the balance sheet, income statement, and cash flow statement for businesses.
• Understanding accounting principles and standards specific to businesses.
• Evaluating the quality of earnings for commercial entities.

Module 3: Ratio Analysis for Commercial Borrowers

• Performing comprehensive ratio analysis for commercial borrowers.
• Understanding the different types of financial ratios for businesses.
• Calculating liquidity, profitability, leverage, and efficiency ratios.
• Interpreting ratio analysis results for companies.
• Using ratios to benchmark company performance against industry peers.

Module 4: Cash Flow Analysis for Companies

• Analyzing cash flow statements of companies.
• Understanding the importance of cash flow in commercial credit analysis.
• Distinguishing between operating, investing, and financing activities for businesses.
• Calculating free cash flow and other relevant cash flow metrics.
• Using cash flow analysis to assess the repayment ability of commercial borrowers.

Module 5: Assessing Creditworthiness of Businesses

• Assessing the creditworthiness of businesses and corporations.
• Evaluating borrower's business risk and financial risk.
• Analyzing industry and competitive factors.
• Assessing management quality and experience.
• Determining the borrower's capacity to repay the loan.

Module 6: Evaluating Management Quality and Industry Risk

• Evaluating management quality and industry risk.
• Assessing the experience, track record, and integrity of the management team.
• Analyzing the competitive landscape and industry trends.
• Understanding the impact of industry-specific factors on credit risk.
• Evaluating the borrower's position within the industry.

Module 7: Identifying Potential Risks in Commercial Lending

• Identifying potential risks in commercial lending.
• Understanding the risks associated with different types of commercial loans.
• Analyzing collateral and loan structure.
• Evaluating the impact of economic conditions on commercial borrowers.
• Identifying early warning signs of financial distress in businesses.

Module 8: Making Informed Credit Judgments for Business Loans

• Making informed credit judgments for business loans.
• Developing a systematic approach to credit decision-making.
• Documenting the credit analysis process.
• Negotiating loan terms and conditions.
• Monitoring loan performance and managing the loan portfolio.

Training Approach

This course will be delivered by our skilled trainers who have vast knowledge and experience as expert professionals in the fields. The course is taught in English and through a mix of theory, practical activities, group discussion and case studies. Course manuals and additional training materials will be provided to the participants upon completion of the training.

Tailor-Made Course

This course can also be tailor-made to meet organization requirement. For further inquiries, please contact us on: Email: info@skillsforafrica.org, training@skillsforafrica.org  Tel: +254 702 249 449

Training Venue

The training will be held at our Skills for Africa Training Institute Training Centre. We also offer training for a group at requested location all over the world. The course fee covers the course tuition, training materials, two break refreshments, and buffet lunch.

Visa application, travel expenses, airport transfers, dinners, accommodation, insurance, and other personal expenses are catered by the participant

Certification

Participants will be issued with Skills for Africa Training Institute certificate upon completion of this course.

Airport Pickup and Accommodation

Airport pickup and accommodation is arranged upon request. For booking contact our Training Coordinator through Email: info@skillsforafrica.org, training@skillsforafrica.org  Tel: +254 702 249 449

Terms of Payment: Unless otherwise agreed between the two parties’ payment of the course fee should be done 7 working days before commencement of the training.