e-learning and reference solutions for the global finance professional

Credit Analysis

A comprehensive e-learning product covering ratio analysis and
cash flow analysis

Highlights

Library of 13 Courses

Available Products

Upcoming Products

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The themes of this product are:

  • Assessing the financial health of a corporation
  • Implications of financial and non-financial factors on corporate credit risk
  • Methods for monitoring and standardizing credit procedures
  • Managing problem loans
For information about our other off-the-shelf e-learning solutions see Course Catalog
  Highlights
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Overview
Traditionally, lenders have faced credit risk in the form of default by borrowers. To this date, credit risk remains major concern for lenders worldwide. The more they know about the creditworthiness of a potential borrower, the greater the chance they can maximize profits, increase market share, minimize risk, and reduce the financial provision that must be made for bad debt. This product provides fundamental understanding of the credit risk analysis process and discusses in detail, various aspects of financial statement analysis, including ratio and cash flow analysis, among others to help in making better credit-related decisions. It also looks at various non-financial factors such as Business Plan, Industry/Sector, Top Management, etc. that could affect the creditworthiness.

After completing this course you will be conversant with:

  • Apply credit analysis to assess borrowers in real cases
  • Perform ratio analysis and cash flow analysis
  • Structure loan products in a competitive way
  • Identify and work-out problem loans

Target Audience
Every professional involved in the global financial services industry (as a provider, user, regulator or advisor of product/services, marketplace/exchange) would benefit from KESDEE’s innovative solutions.

  • Supervisory Agencies

  • Central Banks

  • Financial Institutions

  • Commercial Banks

  • Investment Banks

  • Housing Societies/Thrifts

  • Mutual Funds

  • Brokerage Houses

  • Stock Exchanges

  • Derivatives Exchanges

  • Insurance Companies

  • Multinational Corporations

  • Accountancy Firms

  • Consultancy Firms

  • Law Firms

  • Rating Agencies

  • Multi-lateral Financial Institutions

  • Others


    •
    Course Level and Number of Courses
    Basic & Intermediate Level. Library of 13 Courses

    Instructional Method
    Dynamic, Interactive e-learning

    Recommended Background
    Familiarity with basic financial concepts

    For purchase,contact us at
    PO Box 910207. CA 92191, USA
    Phone: +1-858-755-8527 Fax: +1-858-755-6973, +1-858-756-8587, E-mail: information@kesdee.com, Website: www.kesdee.com

      Library of 13 Courses
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    Credit Analysis
    Time taken to complete each Course: Two - Three hours

    1. Overview of Credit Analysis

    • Objectives
    • Credit Risk
    • Credit Analysis
    • Seven C’s
    • Credit Analysis Process

    2. Lending Process

    • Objectives
    • Introduction
    • Credit Process
    • Documentation
    • Loan Pricing and Profitability Analysis
    • Regulations

    3. Financial Statement Analysis-I

    • Objectives
    • Introduction
    • Ratio Analysis
    • Liquidity Ratios
    • Turnover Ratios
    • Profitability Ratios
    • Leverage Ratios
    • Market Ratios

    4. Financial Statement Analysis-II

    • Objectives
    • Introduction
    • Elements of Cash Flow Statement
    • Direct Method
    • Indirect Method
    • Interpreting Cash Flows

    5. Non-Financial Analysis

    • Objectives
    • Non financial analysis
    • Economy analysis
    • Industry analysis
    • Business analysis

    6. Asset Classification and Loan Loss Provisioning

    • Objectives
    • Asset Quality
    • Quantitative and Qualitative Review
    • Asset Classification
    • Special Mention Asset
    • Loan Loss Provisioning

    7. Borrowing Causes and Sources of Repayment

    • Objectives
    • Introduction
    • Operating Cycle
    • Capital Investment Cycle
    • Sources of Repayment

    8. Problem Loans

    • Objectives
    • Introduction
    • Asset Management Companies
    • Securitization of NPLs
    • Debt Restructuring
    • Preventing Problem Loans

    9. Consumer Installment Lending

    • Types and characteristics of consumer installment lending
    • Various types of Installment loans
    • Dealer Agreement, Recourse and Dealer Reserve
    • Common risks faced in consumer installment lending

    10. Floor Plan Lending

    • Characteristics of Floor Plan Lending
    • Methods of Floor Plan Lending
    • Risks Associated with Floor Plan Lending

    11. Accounts Receivable and Inventory Lending

    • Concept of Accounts receivable and inventory based lending
    • Risks faced in Accounts Receivable and Inventory Based Lending

    12. Participation Loan

    • Concept of Loan participation
    • Need for Loan participation
    • Process of Loan participation
    • Risks faced in Loan participation

    13. Letter of Credit and Loan Commitments

    • Concept of Letter of Credit (LC)
    • Types of Letter of Credit
    • Risks faced in Letter of Credit
    • Loan commitments, Un-funded lines of credit and their characteristics
    • Potential credit risk in loan commitments and un-funded lines of credit
    JOB AIDS
    • Measurement Tools
    • Disclosures
    • Regulations
    • Global Best Practices
    • Benchmarking Data

    Calculators in Credit Analysis

    1. Asset Quality
    2. Cash Flow Statement
    3. Generating Cash Flow Statement
    4. Ratio Analysis
    5. Calculating Desired Ratios
    6. Loan Pricing
    7. Borrowing Causes
    8. Floor Plan-Curtailment Program
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      Upcoming Products
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    KESDEE has the required technology platform to respond to clients training requirements in the financial industry. We offer several solutions, each developed with the guidance of creditable experts. Given below are few of the forthcoming products:

    • Financial Planning
    • International Trade Services
    • Bank Branch Management
    • Mortgage Finance
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    Copyright © 2006 KESDEE Inc.
    Please return this form by Mail or Fax to:
    KESDEE Inc. P.O. Box 910207, San Diego, CA 92191, U.S.A.
    Phone: +1-858-755-8527 Fa    x: +1-858-755-6973, +1-858-756-8587
    E-mail: information@kesdee.com Website: www.kesdee.com