Credit Appraisal Training Course

Audience
Staff requiring an understanding of financial statements including an awareness of the information contained within financial statements; how that information is presented; and how that information is interpreted
Staff who analyse financial information provided to them and arrive at reasoned decisions
Support staff responsible for gathering and interpreting information for lending managers
Staff responsible for the management of bad and doubtful debts who need a working knowledge of the decision-making process which led to the lending being made
Format of the course
A combination of:
Facilitated Discussions
Slide Presentations
Case-Studies and Examples
By the end of the course, delegates will be able to:
Interpret financial information presented by clients
Arrive at a reasoned decision for granting (or refusing) a client’s lending proposal
For Corporate Clients and Small Business Clients
Define an acceptable monitoring and control process for client activity once the lending has been granted
Understand how to structure a lending to give maximum available protection to the bank
Explain how to spot adverse client activity – deliberate or unforeseen – which may indicate problems in repaying the lending
Undertake the proper process to ensure that, a far as is possible, the bank’s asset – its lending – is repaid in full