Browse By

No Thumbnail

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 –

No Thumbnail

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

No Thumbnail

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

No Thumbnail

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

No Thumbnail

The context for credit risk analysis

The context for credit risk analysis Financial institutions and investors make money by putting capital at risk. The underlying idea is fairly simple – returns from this exercise will not just compensate them for bearing the risk but will also allow the original capital base

No Thumbnail

Credit Process: Lending products

Lending Products Let’s review the list of products available in financial markets to meet the lending needs of a business. An understanding of customer needs and how those needs are met is important before we get into now credit analysis works. Commercial Banks, Institutional Investors, private

Comodo SSL