Overview

In financial lending, surprise outcomes usually turn out negative for financial institutions. Low efficiency and high default rates are the major risks in SME lending. The pressure is therefore on the financial institutions to make sure that right lending decisions are made using practical tools that minimise risk exposure and maximise profitability.

This course is designed to provide your Relationship Managers with a comprehensive understanding of the essential principles of SME credit analysis and to strengthen their professional skills and knowledge for managing a healthy loan portfolio. It is tailored to meet the skills needs of the bank to cope with the challenges stemming from the rapidly changing and fast-growing SME market.

Target Participants

• Relationship Managers
• Credit Analysts
• Business Development Managers

Learning Outcomes

At the end of the training, participants will come away with;

• An understanding and methodology for assessing risks within different SME segments and for performing industry sector analysis
• The ability to identify, understand and mitigate non-financial business risks that could adversely affect the company’s operations and ability to repay debt
• An understanding of financial accounting and how to perform financial statements and ratio analysis
• An appreciation of cash-flow analysis and how they are used to assess the borrower’s ability to service debt and structure loans
• The ability to structure and negotiate a credit facility and to effectively use loan covenants to mitigate risks
• Different types of repayment methods and how to enhance repayments
• Understanding of the bank’s credit policy and why it matters to Relationship Managers

What it will cover?

Day 1 DAY 2 DAY 3