Credit Analysis - KESDEE

1 Institut Bank-Bank Malaysia, Wisma IBI, 5 Jalan Semantan, Damansara Heights, 50490 Kuala Lumpure-learning and reference solutions for the global finance professionalCredit AnalysisA comprehensive e-learning product covering ratio Analysis and cash flow analysisAfter completing this course, you will be able to:Apply Credit Analysis to assess borrowers in real casesPerform ratio Analysis and cash flow analysisStructure loan products in a competitive wayIdentify and work-out problem loansThe themes of this product are: Overview For more information, please contact us lenders have faced Credit risk in theform of default by borrowers.

2 To this date, creditrisk remains major concern for lenders more they know about the creditworthiness ofa potential borrower, the greater the chance theycan maximize profits, increase market share,minimize risk, and reduce the financial provisionthat must be made for bad debt. This productprovides fundamental understanding of the creditrisk Analysis process and discusses in detail,various aspects of financial statement Analysis ,including ratio and cash flow Analysis , amongothers to help in making better Credit -relateddecisions.

3 It also looks at various non-financialfactors such as Business Plan, Industry/Sector, TopManagement, etc. that could affect Level & Number of CoursesBasic & Intermediate LevelLibrary of 13 CoursesInstructional MethodDynamic, Interactive e-learningRecommended BackgroundFamiliarity with basic financial conceptsAssessing the financial health of a corporationImplications of financial and non-financial factors on corporate Credit riskMethods for monitoring and standardizing Credit proceduresManaging problem taken to complete each Course: Two - Three hoursLibrary of 13 Courses1.

4 Overview of Credit Analysis Objectives Credit Risk Credit Analysis Seven C s Credit Analysis Process2. Lending Process Objectives Introduction Credit Process Documentation Loan Pricing and Profitability Analysis Regulations3. Financial Statement Analysis -I Objectives Introduction Ratio Analysis Liquidity Ratios Turnover Ratios Profitability Ratios Leverage Ratios Market Ratios4. Financial Statement Analysis -II Objectives Introduction Elements of Cash Flow Statement direct Method Indirect Method Interpreting Cash Flows5.

5 Non-Financial Analysis Objectives Non financial Analysis Economy Analysis Industry Analysis Business analysis6. Asset Classification and Loan Loss Provisioning Objectives Asset Quality Quantitative and Qualitative Review Asset Classification Special Mention Asset Loan Loss Provisioning7. Borrowing Causes and Sources of Repayment Objectives Introduction Operating Cycle Capital Investment Cycle Sources of Repayment8. Problem Loans Objectives Introduction Asset Management Companies Securitization of NPLs Debt Restructuring Preventing Problem Loans9.

6 Consumer Installment Lending Types and characteristics of consumer installment lending Various types of Installment loans Dealer Agreement, Recourse and Dealer Reserve Common risks faced in consumer installment lending10. Floor Plan Lending Characteristics of Floor Plan Lending Methods of Floor Plan Lending risks Associated with Floor Plan Lending11. Accounts Receivable and Inventory Lending Concept of Accounts receivable and inventory based lending risks faced in Accounts Receivable and Inventory Based Lending12. Participation Loan Concept of Loan participation Need for Loan participation Process of Loan participation risks faced in Loan participation13.

7 Letter of Credit and Loan Commitments Concept of Letter of Credit (LC) Types of Letter of Credit risks faced in Letter of Credit Loan commitments, Un-funded lines of Credit and their characteristics Potential Credit risk in loan commitments and un-funded lines of creditFor more information, please contact us more information, please contact us AnalysisJOB AIDS Calculators in Market Risk: Basic Level1. Asset Quality2. Cash Flow Statement3. Generating Cash Flow Statement4. Ratio Analysis5. Calculating Desired Ratios6. Loan Pricing7. Borrowing Causes8.

8 Floor Plan-Curtailment ProgramMeasurement ToolsDisclosuresRegulationsGlobal Best PracticesBenchmarking of 28 CoursesFor purchase, contact us at Institut Bank-Bank MalaysiaPhone: 603 2095 8922 / 603 2095 6833e-mail: online purchase, visit AudienceEvery professional involved in the global financial services industry (as a provider, user, regulator or advisor of product/services, marketplace/exchange) would benefit from KESDEE s innovative AgenciesCentral BanksFinancial InstitutionsCommercial BanksInvestment BanksHousing Societies/ThriftsMutual FundsBrokerage HousesStock ExchangesDerivatives ExchangesInsurance CompaniesMultinational CorporationsAccountancy FirmsConsultancy FirmsLaw FirmsRating AgenciesMulti-lateral Financial InstitutionsOthersKESDEE s Off-the-Shelf e-Learning Course Liability Management Library of 28 Management and Contingency Funding Plan Library of 14 Institution Analysis - CAMELS Approach Library of 08 Mathematics Library of 07 Banking Supervision

9 Library of 15 Adequacy Planning (Basel I) Library of 07 Library of 63 Risk Management Basel IILibrary of 09 and ForwardsLibrary of 07 of 07 of 10 Risk - Basic Library of 08 Courses13. Market Risk - IntermediateLibrary of 08 Risk - Advanced Library of 04 at RiskLibrary of 16 Analysis Library of 13 Ratings Library of 03 party Credit Risk Library of 09 Courses Risk Modeling Library of 06 Derivatives Library of 23 Risk Management Library of 21 SecuritizationLibrary of 28 Courses23. Asset Liability Management for Insurance CompaniesLibrary of 29 Courses LaunderingLibrary of 06 PrivacyLibrary of 06 Courses Governance Library of 09 Act Library of 12 Courses28.

10 Governance, Risk and ComplianceLibrary of 07 MarketsLibrary of 09 Income Markets Library of 17 Courses MarketsLibrary of 10 Exchange MarketsLibrary of 09 and Energy MarketsLibrary of 03 - Foreign Exchange ManagementLibrary of 07 - Treasury AnalyticsLibrary of 05 - Interest Rate Risk ManagementLibrary of 04 Courses37. CTM - Funding and Investments Library of 05 Courses38. CTM - ImplementationLibrary of 04 - Case Studies Library of 05 - Trading Operation ControlsLibrary of 04 Courses41. Understanding Financial StatementsLibrary of 02 Courses 42. BudgetingLibrary of 05 Courses43.