Lending Applications Training Course
Course
In City Of London
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
Start date
Reviews
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?
- 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?
- 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?
- As for Corporate Clients (see above)
- 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