OVERVIEW:
In today's business world, risks are constantly being taken
by organizations of all shapes and sizes. In the banking and
financial services industries, one such risk has been the
attention of strategic evaluators for many years: credit
risk. While the government has established regulatory
procedures and frameworks for many of the larger lending
institutions, many smaller commercial banks have been left
in the dust with their less stringent underwriting standards
and formalized strategies for taking on such risks. Devising
a proper strategic map that captures and mitigates the
credit risks faced by these institutions can often be a
challenge.
Credit risk is a major concern to market participants. The
goal of credit risk management is to maximize a financial
institution’s risk-adjusted rate of return by maintaining
credit risk exposure within acceptable level.
Financial institutions need to manage the credit risk
inherent in the entire portfolio as well as the risk in
individual credits or transactions. Financial institutions
should also consider the relationships between credit risk
and other risks. The effective management of credit risk is
a critical component of a comprehensive approach to risk
management and essential to the long-term success of any
financial institutions.
COURSE CONTENT:
Development of credit analysis in business to business
organisations
A detailed look at financial information, financial
accounts and funds flow statements
Credit Risk Monitoring and Early Warning (modeling and
intelligent system)
External risk factors and failure forecasting
Credit Risk Controlling
Modeling Techniques for Credit Risk Assessments
Exercises and case studies throughout
OBJECTIVE:
To enable delegates to understand further and improve the
practice and theory of modern credit appraisal.
Be introduced to credit vocabulary, the process of
business & industry analysis, the calculation of historical
financial ratios, and the analysis of both historical ratios
and cash flow
Use these tools to analyze a public company and draw
conclusions
