BASIC CREDIT ANALYSIS

OVERVIEW

The Objective of the course is to introduce participants to the credit process. It will equip participants with the foundational skills required to appraise credit proposals, analyze financial statements and manage risk assets.

COURSE OBJECTIVE

At the conclusion of this programme, participants will possess skills to

• Be able to evaluate customers financial statements
• Understand the essential principles upon which credit decisions are based
• Know the different securities that can support lending decisions
• Initiate the process for customer creation among others
• Be able to identify financial needs/workout issues and develop appropriate solutions

TARGET AUDIENCE

The target audience includes Credit Officers, Relationship Managers, Treasure Managers (those involved in assessing the creditworthiness of transactions) and other personnel involved in the credit management process.

COURSE CONTENT

• The Nigerian Banking Industry
• Overview of the banking industry
• Prudential Issues relating to Credits
• Overview of Bank Financial Statements
• Impact of Lending on the Balance Sheet
• Bank Credit Products and Services
• Credit Products
• Direct Credit Substitutes
• Principles of Lending
• Securities of Lending
• The credit Decision
• Financial Statement Analysis by ratios
• Cash Conversion Cycle
• Risk Analysis

COURSE DURATION: 3 Days