Intermediate Credit is a program providing delegates with a perspective on the Global Credit Crisis and Basel III compliant Best Practices through numerous presentations, exercises and case studies covering:
- Refresher in Cash Flow Analysis and implications
- Business Models and why Peer Analysis does not work
- Facility Structuring (Short and Long Term) in line with Client requirements
- Marketing and Share of Wallet (SOW). Why it is important and how to adopt it
- PRR calculation. How to do it and how to manage under IRB Foundation
Who Should Attend?
Corporate and Commercial Bankers with:
- At least 5 years experience
- Having a strong handle of accounting and cash flow analysis
- Experienced in analyzing credits and recommending account strategies
The introduction of Basel II and III accords’ requirements brought new dimension to the way we conduct our businesses in the realm of assessing credit and extending facilities to our clients. The Global Credit meltdown and the European Countries’ debt problems have accelerated the review of the banks’ risk management and credit assessments. By completing this program, candidates are expected to acquire a strong appreciation of advanced credit issues, and be able to apply the knowledge in recognizing problems with accounts, and evaluating risks in line with Basel requirements.
This program can be tailor made to our client’s needs and derives its basis from the client’s Policy and Procedures and uses the client’s live cases in its exercises and case studies when conducted internally. In addition, other cases will be used to widen the scope and coverage, these are:
- Global, Stelco (peer analysis included)
- Ultimate Electronics
- Al Marai
All cases are based on real companies using both historical and future numbers and in house knowledge of management. These cases will be used to (a) structure facilities, (b) identify early warning signals, and (c) share of wallet calculation.
This full-time classroom training relies heavily on hands-on acquisition of skills through exercises and case studies. Participants are required to devote their time to the program which will also require after hours preparations. The use of MS Excel is one of the tools used in class to ensure that participants can create their own analysis.
Participants should have the following to qualify to attend this program:
- A very good command of Financial Accounting and banking experience of 5+ years in active lending or credit decisions
- Ideally those who have attended our CRM or AFAC programs at least 18-24 months earlier
- A laptop with MS Excel to use throughout the program and have a working experience with the handling of Excel