This training programme will provide you with the full range of credit diagnostic skills you need to assess credit risk inherent in potential banking clients in the GCC region. The focus of the course is for you to develop holistic credit analysis skills to examine the full range of internal quantitative as well as external business environmental, qualitative, strategic and management risks that can impact upon corporate cash flows of clients and therefore a client’s ability to honour its debt repayments. Through cash flow forecasting and financial modelling, you will learn how to anticipate future risk crystallisation and its impact on future client cash flows.
The quantitative analysis developed during the course will focus on interpreting trends in financial information. You will connect the links between different financial drivers as well as assess new financial ratios to interpret financial risks.
Finally, by attending the course, you will develop an applied understanding of using cash flow sensitivity to optimally structure a debt facility which will allow your client companies to operate effectively and honour their debt repayments while protecting the bank from the downside effects of credit risk crystallisation.
Who Should Attend
Delegates who have at least three years’ banking experience, ranging between an intermediate and senior level of their respective professional banking careers, will benefit from attending the course. This course is also aimed at professionals with a minimum of three years’ applied experience in corporate credit analysis.
Financial professionals within large corporates,who work regularly with banks and wish to learn how banks assess their credit risk rating will benefit from attending the course. The course will also help you negotiate debt facilities with banks.
A good working knowledge of Excel and cash flow forecasting 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 banking and finance trainer who for 15 years has been training banking students in finance, credit analysis, debt restructuring and loan workout, as well as in SME Business diagnostics and development. In parallel Juan is also a leading emerging market financial consultant assisting small and medium sized enterprises in their financial and business development.
Through his training and consultancy business JBS Training and Consulting, Juan has trained delegates from some of the largest industrial and financial institutions across a large of range of developed as well as emerging markets in Europe, Africa, the Middle East and China. He also provides training to Internal Auditors, and Risk Managers as part of the ACCA and CIMA professional accounting firms.
In parallel to his lecturing career, Juan has a 25 year career in banking and finance initiated in the City of London. In additional to training, since 2003 Juan’s company has also been specialising in finance raising, credit analysis and corporate finance services across a number of emerging economies in South Eastern Europe and North Africa. A core element of Juan’s work is helping companies to restructure their debt and equity position with a view to strengthening company viability through their restructured Balance Sheets. In 2006, Juan’s financial advisory company Limited became the exclusive representatives of HSBC Investment Bank in Romania.
Prior to beginning his banking career with Hill Samuel Bank in London in 1993, Juan acted as the Political and Economic Adviser to the Prime Minister of the Slovak Republic.
Upon completion of this training course, participants will earn a digital badge.
Earners of the GAFM - Certified Credit Analyst (CCA) badge are able to use financial statements to undertake the credit risk of corporate clients and identify working capital needs through the cash conversion cycle and understand how it affects liquidity. They are able to identify acceptable levels of key ratios used for holistic quantitative and credit risk analysis.
Qualitative analysis, holistic credit analysis, financial modelling in excel, structure debt repayment, loan documentation
- Attend and participate in the 5 full days of training course duration, led by the designated training expert, with less than 2 hours of noted absence.
- Successful completion of the course assessment
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 and successfully complete an assessment, will receive an Informa Certificate of Completion.
Pricing excludes 5% VAT, which will be charged where applicable