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Master Class: Credit Process: Course Guide

While the Credit Analysis course started the discussion on financial and operating leverage and the thinking behind the borrowing decision, the Credit Process course focuses on the lending side of the equation. Master Class: Credit Process: Mindset Master Class: Credit Process: Understanding the language –

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Master Case: Office Depot: Ratio Analysis

Using Office Depot as an example the case walks through liquidity, leverage, productivity and profitability ratios in two separate iterations. This case is the first in a two part series that compares Office Depot with Staples using the principles of ratio Analysis. Office Depot is

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Credit Process: The Credit Decision

The credit decision. We have now seen a reasonable amount of information on Willy Whale Inc, our friendly, next-door stuffed toys manufacturers and distributor. A credit memorandum using the same information has been prepared and presented before the loan committee. It is now time to

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Preparing credit proposals and memos

Preparing Credit proposals and credit memo. Continuing with our previous post on credit culture and information gathering requirements we share our list of required information with Willy Whale.  Willy Whale sends us the following information. Exhibit One is the 5 year consolidated balance sheet Exhibit Two is

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