Basic Credit Skills

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.

Certificate of completion (supplied by PasarTrainer)

Training Material

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

Case Study

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

Pre-Test (30 Questions - Closed Book)

* Common Size Analysis 
* Financial Statements Ratio Analysis 
* Financial Projection Analysis
* Debtor’s Bank Statement Assessment 
* Individual Debtor Financial Analysis

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

5. Financial Statement & Analysis

* Overview of Credit 
* Essential of Credit Analysis 
* Credit Quality and Bank Performance

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.

1. Fundamental of Credit

* Company Operating Cycle and Working Capital 
* Company Capital Expenditure

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

3. Rational of Borrowing Needs and Debt Sizing

* Overview of Macro Economic and Other Macro Factors Analysis 
* Debtor’s Industry Analysis 
* 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.

4. Macro, Industry & Business Analysis

* Key Financial Statement Principles 
* Types of Financial Statements & Its Connection 
* Key Accounts of Balance Sheets and Income Statements 
* Audit Opinion of Financial Statements & Auditors

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

2. Accounting & Financial Statements

This module explains the collateral analysis and guarantees.

6. Collateral Analysis and Guarantees

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