SME Corporate Credit Analysis

Analytic Overview: Provide a structured approach for the analysis of a company's creditworthiness. Participants will evaluate business needs and focus on key components of credit analysis. Macro Considerations: Identify macro risks in the operating environment and sector specific risks which significantly affects company specific cash flows. Management and Ownership: Assess owner competence and integrity. Business Risk: Understand and assess the level of business risk within a company's business model, profitability and asset investment need. Financial Risk: Capital Structure and level of finacial risk is measured and assessed in relationship to the level of business risk from operations and assets. Structure: Assess an existing or determine the main terms of a new debt facility or exposure profile