Corporate Credit Analyst Training Course

1. Understanding the role of a credit analyst

1. The function and importance of credit analysts in financial institutions
2. Role in risk management and decision-making processes

2. Importance of credit analysis in financial decision-making

1. Impact on loan approvals and portfolio management
2. Strategic importance in financial stability and growth

3. Types of credit analysis

1. Comparison between personal and corporate credit analysis
2. Overview of qualitative versus quantitative analysis methods

4. Key terminologies in credit analysis

1. Definitions and implications of credit, risk, default
2. Introduction to key financial indicators and ratios used in credit analysis

1. Reading and interpreting financial statements

1. Basics of financial statements and their importance
2. Tips for effective financial statement analysis

2. Income statement, balance sheet, and cash flow statement analysis

1. Detailed analysis techniques for each financial statement
2. Comparative analysis and trend identification

3. Ratios and financial metrics for credit assessment

1. Overview of key ratios used in credit analysis
2. Practical applications of financial metrics in assessing credit risk

4. Identifying red flags and warning signs in financial statements

1. Techniques for spotting financial irregularities
2. Ratio analysis and its role in identifying financial health issues

1. Assessing the creditworthiness of borrowers

1. A comprehensive approach to evaluating borrower information
2. Consideration of financial and non-financial factors

2. Factors affecting credit risk

1. Discussion on industry-specific and economic risks
2. The impact of market conditions on credit risk

3. Credit scoring models and credit scores

1. Introduction to common credit scoring models
2. How to interpret and apply credit scores in risk assessment

4. Credit risk mitigation strategies

1. Strategies for collateral, covenants, and guarantees
2. Portfolio management techniques for risk diversification

1. Industry analysis and its impact on credit decisions

1. How to conduct an industry analysis
2. Assessing the risk associated with specific sectors

2. Market trends and competitive analysis

1. Analyzing market dynamics and their impact on credit
2. Competitive analysis in the context of credit risk

3. Identifying industry-specific risks

1. Identifying and assessing cyclical, structural, regulatory, and technological risks
2. Strategies for managing industry-specific risks

4. Economic and regulatory factors

1. Macroeconomic indicators and their influence on credit risk
2. Understanding the legal and regulatory environment affecting credit

1. Loan structuring principles

1. Basic principles of loan structuring
2. Determining appropriate loan terms and conditions

2. Types of loan structures

1. Overview of secured versus unsecured loans
2. Differentiating between syndicated loans and bilateral loans

3. Key elements of loan documentation

1. Critical components of loan agreements
2. Importance of covenants, representations, and warranties

4. Legal and compliance considerations

1. Navigating regulatory requirements
2. Ensuring compliance in loan documentation and procedures

1. Importance of ongoing credit risk assessment

1. The value of continuous monitoring in managing credit risk
2. Implementing effective credit risk monitoring systems

2. Early warning signs and triggers

1. Identifying early indicators of credit quality deterioration
2. Managing and responding to early warning signs

3. Credit review process

1. Conducting thorough credit reviews and reassessments
2. The role of internal and external audits in the credit review process

4. Adjusting credit limits and terms

1. Criteria for modifying credit arrangements
2. Managing adjustments in credit terms effectively

1. Overview of credit risk models

1. Types and purposes of credit risk models
2. Understanding the strengths and limitations of different models

2. Developing credit risk models

1. Steps in building effective credit risk models
2. Incorporating scenario analysis and stress testing

3. Model validation and backtesting

1. Validating the accuracy and effectiveness of credit risk models
2. The importance and methodology of backtesting models