The challenge of getting finances for small businesses and entrepreneurship development remains.
Credit appraisal for business is an essential tool in the banking environment, as it helps to mitigate risk to the bank. Being skilled in the field of credit appraisal will enable you to ensure that businesses can afford to meet their debt obligations to the bank to generate profitable lending decisions.
This course focuses on developing a holistic view of credit evaluation by acquiring the knowledge and skills to enable you to analyse companies in terms of industry risk, financials and availability of collateral. You will also be able to make decisions on whether or not to lend money, and to evaluate which type of credit product is best suited to the client’s needs.
This course consists of a combination of facilitated discussions, slide presentations, case-studies and examples
On successful completion of this short course, you will able to:
- Identify the correct credit product for a business client.
- Evaluate a credit application for a business client, based on an analysis of financial statements and other information.
- Understand the Role of Banks in the development of entrepreneurship
- Acquire suitable security or collateral given a credit application from a client.
- Make a lending decision taking into consideration the concept of credit risk.
Who this course is for:
- Financial Analysts
- Credit Officers
- Credit Analysts
- Investment Bankers
- Corporate Bankers
- Credit Rating Analysts
- Private Equity Analysts
- Business Analysts
- Credit products for businesses
- The analysis and interpretation of financial statements
- Assessing a company’s working capital needs
- Appraisal of Corporate and Small Business Client lending propositions
- Role of Banks in the development of entrepreneurship
- Role of Banks In Enterprise Development And Financing
- Challenges faced by Entrepreneurs while accessing finance
- Challenges faced by Banks in granting and recovering loans
- Security and collateral
- Credit evaluation and decision-making
- Credit risk: the concept of management of risk
- Managing and monitoring the lending