Credit Analyst and Relationship Management Program

CREDIT ANALYSTS AND RELATIONSHIP MANAGEMENT TRAINING PROGRAM

COURSE CONTENT/SYLLABUS

PART 1 (two months)

1. AN OVERVIEW OF CREDIT AND CREDIT RISK
   • The definition of credit, and its role in supporting economic growth;
   • The Banks’ Role of Financial Intermediation;
   • The nature of the risks incurred by lenders when providing credit facilities;
   • The demand for credit and the different types of borrowers;
   • The commercial and social responsibility that lenders have in their credit-related business

2. AN INTRODUCTION TO LENDING
   • The different types of lending institutions and the nature of the borrowing they provide;
   • The general Principles of Good Lending;
   • An introduction to the various methods of Credit Analysis;
   • An Introduction to the Credit Analysis

3. THE PRINCIPLES OF LENDING
   • The practical application of PARTS – a structured approach to Fundamental Credit Analysis;
   • The basic reasons why individuals and businesses borrow money;
   • The sources of debt repayment and the potential risks associated with them;
   • Trading cycles and the business funding needs that they can

4. CREDIT PRODUCTS AND SERVICES
   • The types of lending products offered to customers by lenders, and their respective advantages/disadvantages;
   • The importance of matching products to customer needs;
   • Common Personal Lending products;
   • Common Corporate Lending products;
   • Alternative sources of credit;
   • Emerging credit delivery channels and how that impacts the management of credit risk.

5. SECURITIES FOR LENDING
   • The different types of security for credit;
   • The valuation and the valuation
   • The general principles and management of security throughout the term of the
   • The connection with regulatory requirements, pricing, and value in the event of default.

PART 2 (two month)

1. MANAGING CREDIT RISK
   • Importance of credit risk management;
   • The basic principles of credit portfolio management;
   • Risk management framework and lines of credit

2. INTRODUCTION TO FINANCIAL ANALYSIS
   • Analysis of bank statements
   • Understanding Financial Statements
   • Ratio Analysis
   • Red Flags
   • Cash Flow Analysis

3. REGULATIONS AND ETHICS
   • The objectives of regulations;
   • Prudential regulations and guidelines;
   • The ethics of lending and ethical behavior;
   • Protecting a bank’s brand and managing its

4. MICROFINANCE
   • The general principles of good microfinance lending;
   • An introduction to the various methods of Microfinance;
   • The tenets of lending to microfinance customers;

5. PERSONAL LENDING
   • How to undertake analysis with inadequate information;
   • Recognizing the most suitable products to meet personal customer needs;
   • Techniques for monitoring and controlling the lending;
   • Lending where individual personal liability

6. DEALING WITH NON-PERFORMING LOANS (NPLS)
   • Why borrowers sometimes experience financial difficulties;
   • The early Warning Signs that can indicate that a borrower is in difficulty;
   • What a lender can do when things go wrong;
   • A lender’s social responsibility when dealing with problem loans