- 20 Oct 2019 Dubai
This training programme will provide you with the fullrange of credit diagnostic skills you need to assess creditrisk inherent in potential banking clients in the GCCregion. The focus of the course is for you to developholistic credit analysis skills to examine the full range ofinternal quantitative as well as external businessenvironmental, qualitative, strategic and managementrisks that can impact upon corporate cash flows ofclients and therefore a client’s ability to honour its debtrepayments. Through cash flow forecasting andfinancial modelling, you will learn how to anticipatefuture risk crystallisation and its impact on future clientcash flows.
The quantitative analysis developed during the coursewill focus on interpreting trends in financial information.You will connect the links between different financialdrivers as well as assess new financial ratios to interpretfinancial risks.
Finally, by attending the course, you will develop anapplied understanding of using cash flow sensitivity tooptimally structure a debt facility which will allow yourclient companies to operate effectively and honourtheir debt repayments while protecting the bank fromthe downside effects of credit risk crystallisation.
Who Should Attend
Delegates who have at least three years’ bankingexperience, ranging between an intermediate andsenior level of their respective professional bankingcareers, will benefit from attending the course. Thiscourse is also aimed at professionals with a minimumof three years’ applied experience in corporate creditanalysis.
Financial professionals within large corporates,whowork regularly with banks and wish to learn how banksassess their credit risk rating will benefit from attendingthe course. The course will also help you negotiate debtfacilities with banks.
A good working knowledge of Excel and cash flowforecasting is also beneficial but not essential.
Benefits of Attending
- Understand the core principles of holistic credit risk analysis bankers use to assess a corporate client’s credit risk rating
- Use financial statements to undertake the credit risk of corporate clients
- Identify working capital needs through the cash conversion cycle and understand how it affects liquidity
- Identify acceptable levels of key ratios used for holistic quantitative and credit risk analysis, specifically those used to measure a company’s liquidity, capitalisation, debt service, profitability and overall performance
- Identify Early Warning Signals (EWSs) arising from ratio analysis
- Conduct qualitative analysis as part of the holistic credit analysis process, including strategic analysis, management risk analysis, external risk analysis, and competitive pressures in a company’s market
- Apply cash flow statement analysis and the debt service coverage ratio as central parts of credit risk analysis
- Use sensitivity analysis and financial modelling in Excel to create cash flow forecasts to measure a client’s future performance and the principal risks that might affect their ability to honour their debt service
- Structure the optimum debt repayment schedule for a company as well as the key terms and conditions used in debt structuring
- Explore key commercial issues to be included in the loan documentation for corporate clients
Global Academy of Finance and Management (GAFM)
About Global Academy of Finance and Management® (GAFM)®
Established in 1996, the Global Academy of Finance and Management® (GAFM) International Board of Standards (IBS) Accreditation council is located in the EU and USA. Accredited by TUV Austria and ISO certified for both ISO 9001 Quality and ISO 29990 Training recognition, GAFM continues to forge ahead to ensure the quality of its programmes and provide a model for quality professional practice and performance, and a common reference for learning service providers (LSPs) and their clients in the design, development and delivery of non-formal education, training and development.
The Certification Board of Standards has been officially sanctioned by the Arab League’s Academy for over 20 Arab Nations and has been recognised in consultation directly with the ESCA Emirates Securities and Commodities Authority. The Certification Body is in academic standards alliance with the ACBSP National Business Accreditation Agency for Certification Standards worldwide and is a CHEA founding member of the quality assurance standards memorandum of the International Quality Group.
GAFM’s certification body regulates the standards for certification and accredited education and defines the criteria for qualified training and degree programmes which are a direct path to the certifications.
Types of GAFM™ Certifications: The Standards Policy Board awards specialised board certifications, designations, and charters in the fields of management, engineering, human resources, quality, financial engineering, accounting, management consulting, risk management, communications, procurement, logistics, construction, and consulting fields to qualified professionals who have completed internationally recognised or accredited training exams and education, government recognised degrees and documented management credentials and experience.
Juan is a professional British bankingand finance trainer who for 15 yearshas been training banking students infinance, credit analysis, debtrestructuring and loan workout, as wellas in SME Business diagnostics anddevelopment. In parallel Juan is also aleading emerging market financialconsultant assisting small and medium sized enterprises intheir financial and business development.
Through his training and consultancy business JBS Trainingand Consulting, Juan has trained delegates from some ofthe largest industrial and financial institutions across alarge of range of developed as well as emerging marketsin Europe, Africa, the Middle East and China. He alsoprovides training to Internal Auditors, and Risk Managersas part of the ACCA and CIMA professional accountingfirms.
In parallel to his lecturing career, Juan has a 25 yearcareer in banking and finance initiated in the City ofLondon. In additional to training, since 2003 Juan’scompany has also been specialising in finance raising,credit analysis and corporate finance services across anumber of emerging economies in South Eastern Europeand North Africa. A core element of Juan’s work is helpingcompanies to restructure their debt and equity positionwith a view to strengthening company viability throughtheir restructured Balance Sheets. In 2006, Juan’s financialadvisory company Limited became the exclusiverepresentatives of HSBC Investment Bank in Romania.
Prior to beginning his banking career with Hill Samuel Bankin London in 1993, Juan acted as the Political andEconomic Adviser to the Prime Minister of the SlovakRepublic.
The Address Hotel, Dubai Marina
The Address Hotel, Dubai Marina
The Address Dubai Marina
Al Marsa Street
Dubai, United Arab Emirates
Telephone: +971 4 436 7777
Fax: +971 4 436 7788
Course fees include documentation, luncheon and refreshments.Delegates who attend all sessions will receive a Certificate ofCompletion.
Pricing excludes 5% VAT, which will be charged where applicable