Certificate in Credit Analysis
The Certificate in Credit Analysis provides comprehensive knowledge of the financial risk management process. Participants in this certificate will cultivate their use of analytical frameworks which will facilitate their understanding on how to systematically assess inherent operational risks prior to formally declaring support or denial of a submitted credit request. Topics of interest includes cash flow forecasting & analysis, industry risk profiling, research methods for measuring credit risk, and the composition of loan agreements.
The first two courses of the certificate can be taken concurrently. Each course spans seven weeks. At the conclusion of the certificate, participants will be tasked to conduct, report, & present a culminating credit analysis based on a commercial or international (sovereign) entity selected from an approved capstone list.
Click on each course title for a detailed description below:
Financial Statement Analysis
In order to make informed decisions about financial statements, investors and lenders must be able to analyze data. Regular preparation and analysis of financial statement information guides business managers and executives to quantitatively identify problems that serve as principal causes of enterprise failure - such as high, operating expenses, decreased sales, inferior cash management, excessive fixed assets, and inventory mismanagement. Topics include ratio analysis, liquidity, cash flow, capital structure, quality of earnings, debt encumbrance, free cash flow profitability as well as financial forecasting and corporate valuation.
Credit Analysis & Research
Lenders are directly concerned with borrowers repaying their loans on a timely basis. Participants will learn to evaluate and assess prevailing industry practices, as potential borrowers' history, how to quantitatively analyze submitted financial information, as well as which credit facility to employ that maximizes value and neutralizes risk. Examination of income sources, profit centers, cash flow, leverage, liquidity, and capitalization will be required in sufficient detail in order to determine strengths that the lender wants to preserve and weakness that may impact the borrower's repayment capacity.
Structuring Loan Agreements
Participants in this course will be thoroughly exposed to fundamental loan agreement provisions while further comprehending lending customization to reflect the individual features of a lender-borrower relationship. Through multifaceted off-site assignments along course activities, participants will enhance their ability to explain the reasons for collateralization and the level of appropriate documentation required to satiate compliance objectives.
Case Study Capstone - Credit Analysis: Commercial or International Focus
Participants in this course will work in collaborative teams and select either an international (sovereign) or corporate entity in order to conduct a comprehensive credit analysis in the form of a formal written report as well as a concluding oral presentation. This end-product can then be used strategically as reference material or as a methodologically-redefined professional works sample during a future interview process.
Class Schedules:
• Financial Statement Analysis: Starts Monday, February 29 2016; 5:30pm - 8:00pm; Concludes April 18 2016 (Class held every Monday at Global office)
• Credit Analysis & Research: Starts Wednesday, March 2 2016; 5:30pm - 8:00pm; Concludes April 20 2016 (Class held every Wednesday at Global office)
• Structuring Loan Agreements: Starts Saturday, March 5 2016; 9:00am - 11:30am; Concludes April 23 2016 (Class held every Saturday at Global office)
10% discount will be applied for candidates that settle the full cost of the certificate program in advance!
