Programme in preparation

Credit Assessment & Management

The course can cover the following items: risk factors, cash flow and financial analysis, collecting data - analysis and usage, working capital, use of ratios, quality of accounting and reliability of financial projections, risk management and monitoring, examples and case studies.  

Please revert to the House of Training for further information. 

Location & Duration

In Hot-ATTF partner countries: 3 days. 

Detailed programme Explode

  • The toolbox
    • A practical framework for credit analysis that includes analytical tools and techniques
  • Cash flow analysis
    • The importance of cash flows, calculating cash flows and identifying warning signals
  • Profitability, debt burden and liquidity
    • Refreshing this part of financial analysis as well
  • Industry analysis and “Product Life Cycle ó Cash Flows”
    • Two useful tools to assess the Business Risks, which is part of the operating strength of a company
  • Case “A profitable retailer still going bankrupt”
    • Group exercise
  • Bad Loans: Voluntary Debt Restructuring
    • Discussions, literature and exercise about out-of-court debt restructuring

 

  • Financial projection “Back to the Future"
    • How to make a financial projection: We go back in time and find a solution how we could avoid the bankruptcy of the retailer
  • Ready for expansion?
    • Too often clients think that growth is a solution for everything: When is a borrower ready for expansion?
  • Card-game
    • Test each other’s knowledge: The cards contain questions and answers
  • Case “A Wholesaler with a Need for Growth”
    • Group exercise
  • Game “Important Management Skills”
    • Learning an easy and effective tool to assess the quality of management
  • Reliability of financial information
    • Warning signals?
  • Case “Company Easy Bikes Ltd. is being sold”
    • Group exercise

 

  • Parent/subsidiary issues and structural subordination
    • Theory & small exercises about analysing our priority of claim to the borrower
  • Collateral and covenants
    • Classroom discussions about controlling the relationship with the borrower
  • Case “Two manufacturers using different strategies”
    • Group exercise: Presenting your analysis + giving feedback to each other
  • Game “Which Asset Conversion Cycle Belongs To Which Company?”
    • Looking behind the figures
  • Case “Change of Ownership of a Transport Company”
    • Group exercise: Presenting your analysis + giving feedback to each other
  • Conclusions & Evaluation

 

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