Credit

Course Overview

This dynamic course on Credit Analysis is meticulously crafted to equip participants with the foundational and advanced skills necessary for excellence in the field of credit management. Starting with core credit skills, the course covers a broad spectrum including financial analysis, credit analysis, credit application writing, credit committee presentation skills, loan documentation, credit administration, loan monitoring, and identifying early warning signs.

The curriculum then expands into applied topics, addressing challenges and strategies in managing problem loans and distressed debt both within and outside the OECD, real estate restructuring, innovative lending techniques post-crisis, and approaches to lending to SMEs with limited financial information. It also explores credit risk associated with treasury products and effective collection of retail problem loans.

The program delves into specialist products such as project finance, trade finance, loan syndication, credit scoring, and various types of finance including inventory, receivables, supplier, asset, and structured trade and commodity finance. Additionally, sector-specific financing modules provide insights into tailored strategies for various sectors such as export manufacturing, construction, real estate development across residential, office, shopping malls, hotels, hospitals, professional services, and retail operations, including investment strategies in these sectors.

Learning Objectives

• Master Core Credit Skills: Acquire a deep understanding of the fundamentals of financial and credit analysis, learn the intricacies of credit application writing, develop effective credit committee presentation skills, and grasp the essentials of loan documentation and administration.
• Navigate Distressed Debt: Manage problem loans and distressed debt, with a focus on strategies applicable in both OECD and non-OECD contexts, including understanding the dynamics of real estate restructuring and adopting innovative techniques for revitalising lending in post-crisis environments.
• Strategise Lending to SMEs: Learn effective methods for lending to small and medium-sized enterprises (SMEs) that lack comprehensive financial statements, including evaluating credit risk and structuring loans to mitigate these risks.
• Understand Credit Risk in Treasury Products: Gain insights into the assessment and management of credit risk associated with treasury products, enhancing their ability to contribute to the financial stability of their institutions.
• Explore Specialist Financing Products: Explore a range of specialist financing products, including project finance, trade finance, loan syndication, credit scoring for consumer lending, and various asset financing techniques such as inventory, receivables, supplier, and structured trade and commodity finance.
• Develop Sector-Specific Financing Strategies: Devise and implement financing strategies tailored to specific sectors, including export manufacturing, construction contracting, real estate development (residential, office, shopping malls, hotels, hospitals), and investment strategies for professional services, retail operations, and investment in real estate and hospitality sectors.