The goal of this program is to provide a Credit Analyst with diagnostic skills that can be immediately used upon return to their respective international banks or corporate credit departments. Analysts will learn to use demonstrated analytical strategies which will enable them to assess the degree of risk prior to endorsing approval or rejection of a specific credit request. Another objective of this program is to enhance the documentation of commercial loan files which will reduce losses and will be viewed favorably by the regulatory community.

Program Methodology

This program has been designed to be delivered in a highly interactive way, involving a mix of theory, interactive discussion and formal practical exercises. It is also expected that all participants will contribute from their own experience and area of knowledge. This delivery method has been chosen to ensure that participants can maximize their skill development and experience sharing through peer interaction.

About this Certification Program and Course Objectives

Credit Professionals now need to establish strong risk management frameworks, have a clear systemic understanding of the organizations credit profile and need to establish strong financial modeling systems to understand how macro and micro-economic factors influence such trends.

Understanding the construction and maintenance of a loan portfolio is an essential survival tool in today’s volatile financial business environment. Successful enterprises that rely on effectively managing credit as well as larger institutional lending organizations, have established strong systems to provide a strong element of pre and post-planning credit analysis tools.

These tools enable corporate and institutional credit professionals to ensure effective day-to-day management of their customers and their debts and also contribute to a healthy financial statement.

Who should attend?

This highly practical course has been specifically designed for:

• Credit Analysts
• Credit Officers/Managers
• Commercial and Retail Loan Officers/Managers
• Loan Review Officers/Managers
• Branch Managers

After Attending This Executive Program, You Should Be Able to:

• Understand the various types of financial statements and be able to identify the components of financial statements including the balance sheet, income statement, statement of cash flows and reconciliation of net worth.
• Spread the financial statements consistently and perform ratio analysis so that trends can be identified.
• Perform a detailed cash flow analysis by calculating the sources and uses of funds from one accounting period to another.
• Prepare financial projections based upon assumptions provided by the borrower then test those assumptions by utilizing sensitivity analysis.
• Identify factors which may impact the ability to repay debt obligations and to document the finding in a written credit analysis memorandum.
• Understand how to grade a loan or establish a credit rating.
• Develop your own manager’s handbook.
• Explore the implications of the global re-pricing of credit risk.

By attending this course, the added benefits, you will receive included:

• Successful completion of this course makes you a CCA^TM Certified Credit Analyst.
• You can use the designation CCA^TM on your business card and resume.
• Up to 2 years’ membership to the GAFM professional body.
• Access to the GAFM network and body of information.
• Preferred access to education centers in USA, UK, Europe, Asia, Middle East and Latin America.
• Access to the GAFM journal published online