Credit Analysis And Financial Statement Interpretation Training Course

Introduction

Empower financial professionals to make informed lending decisions and mitigate credit risk with our comprehensive Credit Analysis and Financial Statement Interpretation Training Course. This program equips you with the essential knowledge and skills to analyze financial statements, assess creditworthiness, and evaluate the financial health of borrowers. Mastering credit analysis is increasingly vital for institutions seeking to minimize losses, optimize their lending portfolios, and maintain financial stability. Our financial statement analysis training course offers in-depth guidance and practical applications for understanding and interpreting financial data.

This Credit Analysis and Financial Statement Interpretation training course delves into key areas such as financial statement analysis, ratio analysis, cash flow analysis, credit risk assessment, and forecasting. You will gain expertise in evaluating borrower financial strength, identifying potential risks, and making sound credit judgments. Whether you are a credit analyst, loan officer, or portfolio manager, this Credit Analysis and Financial Statement Interpretation course will provide you with the tools and knowledge to confidently assess credit risk and make informed lending decisions.

Target Audience:

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

Course Objectives:

• Understand the principles of credit analysis.
• Master techniques for financial statement analysis.
• Perform comprehensive ratio analysis.
• Analyze cash flow statements.
• Assess creditworthiness of borrowers.
• Evaluate financial health.
• Identify potential risks.
• Make informed credit judgments.

Duration

5 Days

Course content

Module 1: Principles of Credit Analysis

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

Module 2: Financial Statement Analysis

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

Module 3: Ratio Analysis

• Performing comprehensive ratio analysis.
• Understanding the different types of financial ratios.
• Calculating liquidity, profitability, and leverage ratios.
• Interpreting ratio analysis results.
• Using ratios to benchmark company performance.

Module 4: Cash Flow Analysis

• Analyzing cash flow statements.
• Understanding the importance of cash flow in credit analysis.
• Distinguishing between operating, investing, and financing activities.
• Calculating free cash flow.
• Using cash flow analysis to assess repayment ability.

Module 5: Assessing Creditworthiness

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

Module 6: Evaluating Financial Health and Identifying Potential Risks

• Evaluating financial health.
• Identifying potential risks.
• Understanding early warning signs of financial distress.
• Analyzing off-balance-sheet activities.
• Performing sensitivity analysis.

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.