Credit Evaluation and Lending Practices Masterclass , Credit rating, covering various aspects from introductory concepts to advanced models and external agency evaluations.
Course Description
This course is structured to provide learners with a thorough understanding of credit rating, covering various aspects from introductory concepts to advanced models and external agency evaluations. This course on credit rating is well-structured to provide a comprehensive understanding of the credit evaluation process. Each section covers essential aspects, providing learners with insights into credit rating agencies, credit delivery, appraisal techniques, financial statement analysis, working capital assessment, cash flow analysis, external agency ratings, credit rating models, and the lending process. The course aims to equip participants with a solid foundation in credit rating, making it a valuable resource for those interested in financial analysis and lending practices. Here’s an overview of the course structure:
Section 1: Introduction
- Overview of credit rating and its significance in financial analysis.
Section 2: Credit Rating Agency
- Introduction to credit rating agencies and their role.
- Further insights into the functions and processes of credit rating agencies.
- Understanding credit rating methods tailored for medium-sized firms.
Section 3: Credit Delivery
- First part of the credit delivery process.
- Second part of the credit delivery process.
- Third part of the credit delivery process.
- Discussion on prioritizing credit delivery.
- Appraising credit risks associated with the delivery.
Section 4: Credit Appraisal and Cash Flow
- In-depth insights into credit appraisal techniques.
- Understanding the role of cash flow in credit appraisal.
- Continued exploration of cash flow’s impact on credit appraisal.
- Further examination of cash flow considerations in credit appraisal.
Section 5: Ratio Analysis
- Analyzing financial statements for credit evaluation.
- Importance of auditors’ notes in credit analysis.
- Introduction to ratio analysis in credit evaluation.
- Continuing the exploration of ratio analysis.
- Further insights into using ratios for credit assessment.
- Advanced applications of ratio analysis in credit evaluation.
Section 6: Working Capital Assessment
- Understanding the assessment of working capital in credit analysis.
- Continued exploration of working capital assessment.
- Further insights into working capital considerations.
- Advanced applications and nuances in working capital assessment.
Section 7: Cash Flow Analysis
- Application of working capital assessment in credit analysis.
- Considering debt-equity ratios and current assets in credit analysis.
- Analyzing cash flow and its relevance in commercial paper evaluations.
Section 8: External Agency
- Understanding credit rating conducted by external agencies.
- Continued exploration of external agency credit rating.
- Insights into credit ratings by Standard & Poor’s.
- Further exploration of Standard & Poor’s credit ratings.
- Understanding credit ratings by Fitch. Continued exploration of Fitch credit ratings.
Section 9: Credit Rating Model
- Introduction to credit rating models.
- Further insights into credit rating modeling.
- Advanced concepts in credit rating models.
- Application and complexities of credit rating models.
Section 10: Lending Begin
- Initiating the lending process.
- Continued insights into the lending process.
- Advanced considerations in the lending process.
- Summarizing key points in the lending process.
- A comprehensive overview of how credit rating functions.
Who this course is for:
- Financial Risk Managers
- Credit Managers/Credit Analyst
- Credit Portfolio Managers
- Asset Managers
- Investment professionals
