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Credit Analysis

Course Name Credit Analysis
Schedule October 23, 2017 - October 27, 2017

Monday - Wednesday 

1:00 pm - 6:00 pm

Thursday - Friday 

9:00 am - 5:00 pm 

Price: Php 27,500
Description

This course is a practical introduction to credit work. It is designed to provide and familiarize participants with the basic tools for analyzing the creditworthiness of individuals and business firms.  

The course starts off with a discussion of the basic credit principles and the various risks typically associated with credits. Using a template, it then proceeds to analyze the credit transaction by profiling the borrower, its management (if borrower is a firm), and the industry in which the borrower operates. The methodology is simplistic yet comprehensive; participants are guided through a progressive skills-development procedure in evaluating credit, from examining the evidence to making a decision.

Objectives

After the course, you will:

1. Recognize and understand the risks involved in credit/lending decisions;

2. Read and analyze balance sheets, income statements, and cash flow      statements of potential borrowers, recognize their limitations, and identify and evaluate the risks implicit in these statements;

3. Realize the importance of cash flows in evaluating credits, understanding that accounting  income does not pay off loans;

4. Perform  comprehensive  management  and  industry  analyses; 

5. Understand  the  causes  of  business  failures  and  how  the  warning  signals  are detected;  and

6. Learn  alternative  approaches  in  evaluating  the  creditworthiness  of  small  and  medium  enterprises  (as  time  permits).

Who should attend

1.    Bank account officers, credit analysts, and branch managers with lending functions.
2.    Professionals in other industries tasked with analyzing and approving credits.

Outline

This course, which includes lectures, interactive discussions, and practical application exercises and case studies, covers the following topics:

I. Credit principles and the credit process

II. Understanding consumer/corporate credit risks

III. Basics of financial statement analysis

IV. Corporate structure analysis

V. Management evaluation

VI. Industry/market analysis

VII. Recognizing the symptoms of business failure (quantitative and qualitative approaches)

VIII. SME Creditworthiness assessment

IX. Credit report writing 

X. Credit risk rating exercises

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.

Testimonials

"The Credit Analysis program by Mr. Larry Esguerra has provided me with a deeper understanding of the financial and non-financial aspects of a company, both theoretical and practical."

- Bea Yatco (personal)

 

"I didn't really listen to my finance classes before because I never had the appreciation. But Mr. Esguerra did it so well that I enjoyed the class!"

- April Ann M. Gimeno One Network Bank

"The course has really helped me learn the fundamentals of credit analysis. Even though I am a recent graduate and new to the credit business. Mr. Esguerra was able to explain clearly and in a fun relevant way the basics of credit analysis"

- Bogie Indiongco Analyst, Philippine Rating Services Corporation (PhilRatings)