Credit Analysis for Lenders
Calling all aspiring credit analysts! Get ready to impress in interviews by mastering the analysis required by lenders for making a loan.
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3000+ students enrolled
5
Hours to Complete
5
Topics
13
Practical exercises
Credit Analysis for Lenders includes
- How banks make money
- The credit perspective
- How bad loans affect banks
- Intro to the credit process
- The 5 Cs of credit
- Quantifying credit risk
- Default risk
- Loss given default risk
- The components of the credit memo
- Determining the risk in lending for various purposes
- Using pricing and fees to mitigate risk and drive the bank’s return
- The role of covenants in monitoring the loan
- How banks minimize risk by selling off pieces of the loan
- Using seniority, security, collateral and guarantees to protect the loan
- How banks minimize risk by selling off pieces of the loan
- Understanding business risk (macro, industry, and company)
- A closer look at company risk
- Management risk
- Estimating business risk
- Determining on and off-balance sheet obligations
- Assessing the quality and efficiency of a company’s assets
- How to calculate EBIT and EBITDA for credit analysis
- How OWC can impact a company’s cash flow
- Assessing cash flow adequacy
- Measuring a companies ability to withstand fluctuations
- Liquidity definition and calculations
- Determining how much room a company has to borrow additional funds
- Analyzing a company’s cash flow to determine borrowing capacity
- Using base case, upside, and downside scenarios to determine debt capacity
- Using cash flow analysis to determine the timings of a loan repayment
- Extending debt capacity using cash flows from later years in the forecast
- Modeling credit scenarios
- -Business Risk – Using descriptive materials provided, simulated 10-k snippets, press releases, etc
- Financial Risk (current financial position, quality of earnings, cash flow, liquidity)
- Discussion of Smithy’s corporate structure and structural subordination issues
- Debt Capacity (cash flow forecasts, debt service coverage ratio DSCR, building scenarios)
Credit Analysis for Lenders
| skills-certificate
Credit Analysis for Lenders
4
Hours
18
Practical exercises
1
Exam
Build a comprehensive understanding of the credit process undertaken by the lenders of a loan. Examine the different risks involved against the loan, the tools used to mitigate these risks, and how to analyze a borrower’s ability to meet future obligations. The knowledge and skills developed can be applied directly to any credit analyst role.
Credit Risk Overview
17 video minutes
0 excel exercises
Video minutes 17
Excel Exercises 0
Controlling Credit Risk
39 video minutes
3 excel exercises
Video minutes 39
Excel Exercises 3
Business Risk
10 video minutes
0 excel exercises
Video minutes 10
Excel Exercises 0
Financial Risk
48 video minutes
4 excel exercises
Video minutes 48
Excel Exercises 4
Debt Capacity
36 video minutes
6 excel exercises
Video minutes 36
Excel Exercises 6
Credit Analysis Case in Point
37 video minutes
5 excel exercises
Video minutes 37
Excel Exercises 5
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