Credit Analysis

Workshop Overview

This course provides an in depth review of the environment in which credit analysis, capital budgeting, and loan evaluation decisions are made. Participants will develop the necessary skills in analyzing financial statements and applying them in determining the borrower’s financial condition and performance.

Learning Objectives

After completion of this course, participants will be able to:

  1. Learn a systematic approach in analyzing loan requests.
  2. Evaluate financial statements using various financial analysis techniques including common size reports, financial ratios and industry norms.
  3. Recognize warning signals early in the analysis process.
  4. Utilize important financial ratios to interpret the borrower's financial condition and performance.
  5. Perform trend analysis.
  6. Compare borrower with peers and industry.
  7. Assess the accuracy of financial data and detect potential asset overvaluations and liability understatements.
  8. Describe a borrower's financial condition and performance.
  9. Identify the strengths and weaknesses of loan applicants.
  10. Summarize findings important to the decision process.

Course Outline

  • Financial statement analysis
  • Determination and Applications of Nominal
    and Real Rates-Of-Return in Financial Analysis.
  • Valuation and Capital Structure: Theory and application
  • Risk Estimation and Diversification
  • Risk and Return Trade-off Analysis
  • Option and Option Strategies
  • Option Pricing Theory and firm Valuation
  • Alternative Cost of Capital Analysis and Estimation
  • Capital Budgeting Under Certainty
  • Capital Budgeting Under Uncertainty
  • Short-term Financial Analysis and Planning

Course Duration

24 hours

 Workshop Format

Interactive sessions with many exercises, discussions and in class group workshops


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