Introduction to Credit Risk Analysis

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.

By the end of this program, participants will be able to:

• Understand the fundamentals of the bank lending business and end-to-end credit process.
• Assess borrower eligibility using credit principles (5Cs) and basic collateral evaluation.
• Interpret and analyze financial statements using key analytical tools and ratios.
• Identify borrowing needs and determine appropriate debt sizing.
• Understand key concepts of credit risk management, monitoring, and early warning signals.

Apply the overall credit analysis process through a practical case study.