Basic Credit Skills

Certificate of completion (supplied by PasarTrainer)

Training Material

1. What is Credit?
2. Credit Segmentation
3. Credit Process in a Bank
4. Corporate Credit Analysis
5. Retail Credit Analysis
6. Credit Quality

Participants will learn the basics of credit in banking. The instructor will explain multiple aspects of credit such as credit definition, credit segmentation and different credit processes.

Fundamental of Credit

1. Company Operating Cycle & Working Capital
2. Company CAPEX Requirement

This module explains short & long-term credit needs of debtors and how banks can fulfill those needs.

Rational of Borrowing Needs and Debt Sizing

1. Common Size Analysis
2. Financial Statement Ratio Analysis
3. Financial Projection Analysis
4. Debtor's Bank Statement Assessment

Participants will learn how to analyze components in a financial statements which ultimately will support credit decision making.

Financial Statement & Analysis

1. Main Terms and Conditions
2. Guarantee and Derivatives
3. Contractual Subordination

This module explains the components of a loan agreement to be used for credit purposes.

Loan Agreement

1. Overview of Macro Economic and Other Macro Factors Analysis
2. Debtor's Industry Analysis
3. Debtor's Business Analysis

Participants will learn the impact of macro-economic factors, industry factors and business factors which could impact a debtor's fnancial performance.

Macro, Industry & Business Analysis

A multiple-choice test to assess the participants' proficiency level prior to enrolling in the training program.

Pre-Test (30 Questions - Closed Book)

1. Overview of Accounting and Its Key Principles
2. Basic Accounting Process
3. Understanding Accounts in Financial Statements
4. Type of Financial Statements
5. Audit Opinion and Quality of Financial Statements

This module will provide the basics of understanding accounting and financial statements which are required to conduct a credit analysis.

Accounting & Financial Statements

Participants will learn how to understand internal and external factors that could impact credit quality.

Loan Monitoring

Participants will be provided a case, asked to discuss in a group setting and present their findings to the other groups.

Case Study

1. What is Collateral?
2. Type of Collateral
3. Characters of Good Collateral

This module provides explanation on different types of collateral and their functions in relation to a credit process.

Collateral Analysis

A multiple-choice test to assess the participants' proficiency level after enrolling in the training program.

Post-Test (30 Questions - Closed Book)

This training will teach participants the basics of bank lending business. In this course, participants will learn the basics of end-to-end credit process, including analyzing debtors financial statements, macro environment, industry analysis and business analysis. Participants would also be exposed to knowledge of collateral, loan agreement components and loan monitoring. Further, to accelerate participants' financial statement analysis skills, the participants will learn how to understand accounting and financial statements as well.