Credit Process
Course Details
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| Course Title | Buy Print or Non Print Version |
| Credit Analysis – First Course | |
| Credit Process |
Course Contents
Credit Process
1. Mindset
- i. Intent
ii. Classification
iii. Pricing
iv. Fit
2. Understanding the language
- i. Capital Structure
ii. Debt (Leverage)
iii. Maturity
iv. Default
v. Interest
vi. Commitment Fees
vii. Credit Culture
viii. Liquidation costs
ix. Creditworthiness
x. Work-out and Charge off
xi. Owners’ Equity
xii. Bankruptcy
xiii. Stakeholders
xiv. Credit Limit
xv. Syndicate
xvi. Basis Points
xvii. Collateral
3. Why do businesses borrow money?
- i. Why does the firm need money, and what is it going to do with it?
ii. Why is the firm borrowing money?
iii. Sources of Repayment
4. Lending Products
- i. Line of Credit. 15
ii. Revolving Credit
iii. Bills discounting
iv. Term loans
v. Consumer Loans
vi. Trade credit
vii. Bonds
5. Review
- i. Credit Risk & Credit Analysis
ii. Credit Risk and Credit Spreads
iii. Credit Analysis Process
6. Credit Culture and Information Gathering Foundations
- i. Information Gathering – Foundations
7. Information Gathering and Processing
- i. Information Gathering – Data
ii. Information Processing
8. The Credit Decision
- i. Accept / Reject
ii. Term Sheets
iii. Loan Pricing
iv. Compliance & Documentation
9. Credit Decision – Factors
- i. Industry Analysis
ii. Business Analysis – Other Qualitative Factors
iii. Credit Rating Agencies
iv. Importance of Cash Flow Analysis in Credit Analysis
v. Cash Flow Statements
10. Analyzing Cash flow Statements: Examples
- Example 1 – Office Depot
Example 2 – Will and Can Inc.
No. of pages
45
File size
1.2 MB