Financial Statement Analysis For Lenders

Course Overview:

‘Financial Statement Analysis for Lenders’ is a 1-day training module designed to equip participants with the capabilities required to analyze the financial health of a potential borrower.

The program discusses the importance of and techniques required to analyzing the key financial statements.

The aim of this program is to give the participants a thorough and comprehensive understanding of relevant financial ratios in order to form the best possible lending decision for attaining maximum profitability and reducing the chances of default.

Target Audience:

  • Relationship Managers
  • Credit Officers & Risk Analysts
  • Credit Admin Department staff

 

Learning Outcomes Include:

Upon completion of this course, participants shall be able to:

  •  Explain the importance of financial analysis in the credit decision process
  • Analyze customers’ financial strength accurately given access to customers’ financial data
  • Calculate the financial ratios for the applicant customer accurately given customer’s financial data
  • Analyze the financial ratios in context with business and industry analysis given industry and market information
  • Explain the need and importance of cash flow analysis when processing any credit
  • Analyze a corporate cash flow statement
  • Perform cash flow analysis for the customer accurately given customer financial data
  • Discuss the red flags that must be carefully analyzed before making the credit decision

PROGRAM LENGTH

One Day