Lending Applications Training Course

Course

In City Of London

Price on request

Description

  • Type

    Course

  • Location

    City of london

Audience
Corporate Lending Staff requiring an understanding of financial statements
All Managers requiring an awareness of the information contained within financial statements; how that information is presented; and how that information is interpreted
Corporate and Personal Lending Staff needing to analyse financial information provided to them – and arrive at reasoned decisions
Support staff responsible for gathering and interpreting information for the 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

Facilities

Location

Start date

City Of London (London)
See map
Token House, 11-12 Tokenhouse Yard, EC2R 7AS

Start date

On request

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Subjects

  • Financial Training
  • Financial
  • Staff
  • Monitoring
  • Access
  • Application Architecture
  • Internet
  • Database
  • Database training
  • SQLite
  • Design
  • Project
  • Broadcast

Course programme

Understanding Financial Statements

  • Balance Sheets:
    • How are they created?
    • What do the respective sections mean?
    • Where does the information come from?
  • Profit and Loss Accounts
    • How do they differ from Balance Sheets?
    • What information is included?
    • Where does that information come from?
  • Budgets and Cash-Flow Forecasts
    • Why are these so key in Lending Appraisal?
    • What do they tell a lending banker?
    • More-importantly what do they not tell a lending banker?
Analysing Financial Statements
  • Analysis of the trends and ratios in the financial statements covering:
    • Liquidity
    • Security
    • Profitability
    • Financial Management and Efficiency
  • What do these trends tell a lending banker?
  • …and as before, what do these trends not tell a lending banker?
Corporate Clients
  • Analysis of Corporate Client lending propositions
    • Building expertise using a detailed Corporate Lending case study
  • Understanding that different types of company require subtly different shades of lending evaluation
  • Managing and monitoring the lending
  • Security:
    • Is it necessary?
    • What company security can we take?
    • How do we take and perfect our security?
Small Business Clients
  • As for Corporate Clients (see above)
Personal Clients
  • Analysis of Personal Lending propositions – understanding the criteria against which lending decisions are made (and which will differ between clients)
    • Building expertise through a series of detailed Case Studies on Personal Lending propositions
  • CAMPARI as a mnemonic to ensure that all aspects of the lending decision are fully considered
  • Analysing personal information (in the absence of Balance Sheets, P&L accounts etc.)
  • Making the decision; structuring the lending; and getting repaid
  • Monitoring the lending portfolio – looking for early-warning signs
  • Security:
    • Is it necessary?
    • What personal security can we take?
    • How do we take and perfect the security?

Lending Applications Training Course

Price on request