Corporate Credit Applications
Professional development depends upon continuing to build the skills critical for success.
This is particularly true today when the business environment is changing at record breaking pace. The need for business and financial acumen could not be greater.
Our intensive, more advanced level courses are focused on building the analytic skills needed to make, support and express credit judgement. The use of current and complex case studies, excel models and a structured approach makes these courses particularly effective, interactive and motivating.
Corporate Credit Challenges and Applications
Building credit skills in order to evaluate in-depth the credit standing of corporates, unravel complex financial statements and provide perceptive, forward looking credit judgement.
This workshop equips participants to:
- Use debt capacity to quantify appropriate debt levels and set appropriate terms and conditions of lending
- Identify a company’s key market risk exposures, assess their financial statement impact and explain how derivative hedging strategies have been used to help manage these risks
- Recognise early signals of credit deterioration and identify vulnerabilities in a client’s business model, balance sheet and performance
- Prepare insightful analysis which incorporates future outlook, appropriate peer benchmarking and supporting quantitative analysis linked to the key drivers of performance, clearly articulating the risks and demonstrating credit judgement.
Leveraged Lending
Ensure that consistent and robust analysis is applied by all lines of defence in the analysis and monitoring of Leveraged Loans.
This workshop equips participants to:
- Evaluate primary sources of repayment: model a company’s future free cash flow and debt repayment capacity based on assumptions and sensitivities which are consistent and supportable in the current economic climate
- Evaluate secondary sources of repayment: understand the key drivers of Enterprise Valuation Analysis and provide commentary supporting the reasonableness of underlying assumptions and validity of stress testing
- Distinguish strong and weak loan structures and covenant packages and recognize how they the influence overall credit standing of a company
- Recommend appropriate triggers to monitor leveraged exposures.
Writing Effective Credit Applications
Increasing effectiveness in the credit approval process by improving the quality of analysis and writing in credit submissions.
Our Writing Effective Credit Applications course will equip participants to:
- Focus on the issues that are most relevant to ensure timely servicing of the Bank’s credit exposures.
- Prepare insightful analysis incorporating future outlook, appropriate peer benchmarking and quantitative analysis which is linked into a real understanding of a client’s business model and key drivers of performance.
- Use debt capacity analysis and cash flow forecasts as a tool in making and supporting credit recommendations, ensuring forecast assumptions are consistent and realistic and quantifying sustainable debt levels in context of business strategy and market conditions.
- Write credit proposals that are more focused, succinct and conclusive, clearly articulating the risks and demonstrating their credit judgement.
