Financial Statement & Basic Credit Analysis

Financial Statement & Basic Credit Analysis is one of the program courses developed by professional trainers in PasarTrainer. The program is designed for entrylevel banking professionals (0-5 years of experience). The objective of the program is to equip entry-level banking professionals with a comprehensive understanding of financial statements and basic credit analysis.

Upon completion of the program, participants are expected to be able to:

• Understand financial statements, read and interpret various types of financial statements from a lender's perspective
• Analyze credit risk, use the 5C framework and financial ratios to assess a borrower's creditworthiness
• Assess macro and industry risks, conduct PEST analysis, and evaluate business and credit histories (SLIK/BI Checking)
• Structure and monitor credit, design appropriate credit facility structures, establish covenants, and recognize early warning signals in financial statement
• Apply Indonesian banking regulations, understand relevant OJK/BI provisions, including credit classification and PSAK 71 (IFRS 9)