Credit Analysis - Level 1

Pricing

Cost for BPP PD Members: £2020.00 + VAT : 30 CPD Hours
(£2020.00 + VAT for non BPP PD Members - Click here for details of our membership scheme.)

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Course level

Introductory

Delegates

This course will be of benefit to those who have little experience of accounting or financial analysis, or the principles of successful lending. It is particularly appropriate for those starting or about to start in a credit analysis role in a bank, or any role requiring corporate financial analysis.

Overview

This five-day course aims to give a sound grounding in credit analysis. No prior knowledge of credit analysis is assumed. By the end of the course, you will be able to write and support a basic corporate credit review. Please note, after attending Credit Analysis Level 1, we recommend you leave an interval of at least 3 months before attending Credit Analysis Level 2. This will give you valuable time to put into practice all the skills you learned at Level 1

Learning outcomes include obtaining a greater understanding of:

  • Introduction to Credit Analysis
    • Risk assessment
    • Principles of good lending
    • Content of the annual report and accounts
    • Analysis of non-financial information
  • Basic Accounting Concepts
    • Fundamental accounting principles and concepts
    • Understanding the concept of dual effect
    • Construction of a balance sheet
    • A review of the items on the balance sheet and their accounting treatment, e.g. tangible fixed assets and depreciation, intangible fixed assets and amortisation, investments, provisions, finance and operating leases, ordinary and preference share capital and treasury shares
    • A review of the profit and loss account
  • Financial Analysis
    • Spreading the accounts
    • Ratio analysis - an examination of the company's profitability, liquidity, financial risk and efficiency
    • The business cycle and how it is financed
  • Cash Flow Analysis
    • Sources and uses of cash for a business
    • Constructing a cash flow statement
    • Interpreting a cash flow statement
    • Cash flow ratios and how to interpret them
    • Understanding free cash flow and debt capacity
    • Cash budgets and their uses
  • The Banking Environment
    • General principles of security
    • Review of assets commonly offered as collateral: Fixed and floating charges, land and property and shares
    • Guarantees, indemnities and letters of comfort
    • Credit products and their uses
    • Credit review formats

Course Dates

Location Dates Time Availability  
London 22 Jan 2020 9:00 AM - 5:00 PM  Spaces Book Now
London 12 Mar 2020 9:00 AM - 5:00 PM  Spaces Book Now
London 14 May 2020 9:00 AM - 5:00 PM  Spaces Book Now
London 02 Jul 2020 9:00 AM - 5:00 PM  Spaces Book Now
London 10 Sep 2020 9:00 AM - 5:00 PM  Spaces Book Now
London 29 Oct 2020 9:00 AM - 5:00 PM  Spaces Book Now
London 10 Dec 2020 9:00 AM - 5:00 PM  Spaces Book Now

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