"Credit Risk & Enterprises 1 & 2" Module is part of the "Certified Credit Risk Officer (C-CRRO)" and the "Certified Credit Controller" training program.
The aim of the seminar is to present up-to-date Credit Risk evaluation techniques and clarify the characteristics, on which, it relies either directly or indirectly.
Target Audience
Entrepreneurs
Financial Management and Credit Control Executives
Business Management and Marketing Executives
Supply Chain Executives
Business loan managers
Investment Bankers
Economic Analysts
Credit Analysts
Risk Officers of Banking and Credit Institutions
Banking Finance Analysts, Lecturers, etc.
To identify short-term and long-term industry/sectoral and corporate risks
To implement a structured approach on evaluating the corporate credit policy
To calculate and interpret key financial indicators that are used in the credit rating process of businesses
To interpret financial statements appropriately and identify their vulnerability To understand cash flow dynamics and the effects of loan provision (positive/negative)
To determine the key structural risks during loan provision to a group of companies
About
Subject Areas
Long-term risks
PESTEL analysis
Key Macroeconomic indicators:
Government spending
Investment (Foreign Direct Investment-FDI)
Exports versus imports
Monetary policy
Social-demographic issues
Technology
Environment
Legal-regulatory issues
Business cycles
Industry/sectoral risks
Product life cycle
Understanding the operation of each industry’s market –
What are the key-drivers that govern the industry?
Competitive strategies
Profitability
Working capital requirements
Capital expenditure
Asset conversion cycle
Different types of manufacturing
Understanding competition
Porter’s five forces model (Tool for evaluating the competitive position of a company
Corporate risks
Understanding the company’s business model
What drives its revenues and costs
Business operations
Key Performance Indicators – (KPIs)
Strategic analysis:
SWOT Analysis
Ansoff Matrix
Credit Risk Management Case Study
“TradeCo” Corporation
REVIEW OF RECORD OF COOPERATION
Preliminary Credit Approvals
Collaterals
Business Data
Overdue Debt Analysis
RECORD OF DETERIORATING COOPERATION
RECEIVABLES SETTLEMENT AGREEMENT
PRELIMINARY NEGOTIATION STAGE
What is requested:
To determine the approach/strategy to be chosen
To determine specific recommended legal or business action, and justify their selection