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Credit Analysis

Credit Analysis

This is the first course on credit analysis that focuses on the impact of leverage on a business. We look at two different instances of leverage – one financial, one operational and use that to calculate degrees of operational leverage. Degrees of operational leverage is an interesting concept that allows you to measure the impact on earnings for every dollar increase/decrease in sales on account of the combined leverage of a firm.

Leverage: Introduction – I
Master Credit Analysis: Breakeven and leverage
Master Credit Analysis: Fixed Costs and Operating leverage
Master Credit Analysis: Financial Leverage

Credit Process

While the course started the discussion on financial and operating leverage and the thinking behind the borrowing decision, Credit Process focuses on the lending side of the equation.

  1. Credit Process: Mindset
  2. Credit Process: Understanding the language – I
  3. Credit Process: Understanding the language – part ii
  4. Credit Process: Why do businesses borrow money?
  5. Credit Process: Lending products?
  6. Credit Process: Review
  7. Credit Process: Credit Culture and Information Gathering Foundations
  8. Credit Process: Credit memo: information gathering and processing
  9. Credit Process: The Credit Decision
  10. Credit Process: Credit Decision – factors
  11. Analyzing Cash flow Statements: Examples

Supplementary risk management readings

  1. What is risk? What is risk management?
  2. What is credit risk management?
  3. Risk management systems for central banks.
  4. Understanding Stress Testing. A short guide.

 

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