Search  
in  
Last Name:
First Name:
Mobile #:
Email:
""

Capability Building on SME Risk-Based Lending (Part I)

Course Name Capability Building on SME Risk-Based Lending (Part I)
An Online Course on Credit Assessment of SMEs
Schedule

To inquire more about our courses, you may call our Program Sales Officers at 830.20.50 or email us at sales.cce@ateneo.edu

Price: USD 110.00 (Excludes shipping fees for additional documents, such as: invoice, official receipt, and certificates of attendance)
Description

This online course offers a customized approach in the credit assessment of small and medium enterprises (SMEs). It reexamines established credit principles and processes, and refocuses these for effective SME lending applicability. The alternative credit assessment approaches and activities the course provides deviate from the traditional evaluation processes used for commercial credit applicants; recognizing the uniqueness of SMEs as a business sector, these have a strong SME slant.

Capability Building on SME Risk-Based Lending (Part I)  is a pre-requisite course to Part II.

Complementary Courses

Watch out for the sequel of this course (Part II) to be offered next quarter. It will cover the following topics:

I.    SME PERFORMANCE ANALYSIS
    A.    Evidence examination
        1.    Financial statements
        2.    Trend/Time series analyses
        3.    Ratios, averages, turnovers
        4.    Financial condition analysis
        5.    Cash flow analysis
        6.    Working capital analysis
    B.    Management evaluation
    C.    Industry analysis (as appropriate)
    D.    Financial statement validation techniques
    E.    Credit risk rating

II.    CREDIT SUPERVISION (interspersed above, as appropriate)

III.     SUMMARY EXERCISES, CREDIT RISK RATING EXERCISE, CASE STUDIES

Objectives

Successful completion of the course enables the participants to:
    1.    Obtain credit information from alternative sources to understand the various risks involved in SME lending;
    2.    Validate and effectively use the financial statements submitted by SME applicants;
    3.    Trace and assess the business cycle/s of credit applicants to identify and assess their financing needs, financing sources, and cash flow sources;
    4.    Assess specific credit risks for a more informed credit decision; and
    5.    Determine and develop the appropriate credit package for applicants.

Outline

The course, which employs practical application exercises, covers the following areas:

I.        INTRODUCTION
    A.    Course coverage, objectives, format
    B.    Terminologies and definitions
    C.    Basic credit principles – includes the “Ten Commandments of Commercial Credit”
    D.    Conceptual view of the bank credit universe
        1.    Potential risks in credit
        2.    Transaction analysis
    E.    The credit process flow
    F.    Elements of sound credit

II.    SME CREDITWORTHINESS ASSESSMENT
    A.    Understanding SMEs, their financing needs and wants
    B.    Credit evaluation objectives
    C.    Credit evaluation approaches
    D.    Suggested activities in evaluating SMEs
    E.    Information requirements
    F.    Key financial performance indicators
    G.    Early warning signals

Resource Speakers
Mr. Larry S. Esguerra IV

is the Director for Credit Programs at the Ateneo-BAP Institute of Banking, the Program Director for Finance at the Ateneo Center for Continuing Education, and a professor of Finance at the Ateneo Graduate School of Business.