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LeasingWorld
Asset Finance Training Programmes
What does a good banker have in common with a good tea?
Both can only be fully appreciated when they are in hot water!
This course is designed to prove that wrong and keep finance professionals cool and dry by providing the essential credit skills vital in appreciating the financial and non financial risks in any lending proposition.
At the heart of this course is the belief that excellent collaboration between the Sales function and the Risk function, within any finance and/or commercial enterprise, is key to developing strong customer relationships and maintaining a balanced lending portfolio.
Mastering the internal and external risks facing an organisation is a central contributor to business success. This course examines in detail these risks so that informed, considered decisions can be taken when assessing a lending proposal.
Far too much productive time can be wasted on proposals that simply should not be considered, time that could be better spent dealing with higher quality submissions. A full comprehension of risk analysis will also build stronger service levels and, therefore, maximise sales by getting the right information from the customer first time and providing a much quicker and more informed decision in return.
Content Overview
Essential principles of risk analysis.
- Know your customer.
- Understanding the client’s business.
- Amount and purpose.
- Ability to repay/security.
- Rate and risk.
Understanding financial data from a credit perspective.
- Accounts in the context of operations.
- How accounts describe business performance.
- Financial appraisal in risk analysis.
Cash flow analysis and working capital.
- Definition of working capital.
- Differentiation between cash and profit.
Building a quality portfolio.
- Impact of bad debt.
- Causes of business failure.
- Need for supporting security.
- Risk management.
- Maintaining acceptable risk exposure.
- Principles of intensive care.
Course profile PDF:
Foundation in Credit
Risk Management
