Study financing requests, analyze the client’s solvency and cash flows, evaluate collateral and prepare the credit memo the way bank credit departments do.
Course Curriculum
| 1. Banking and Credit Basics | |||
| 1.1 How banks lend Details | 00:06:00 | ||
| 1.2 Credit products: overdraft, loans, LCs, LGs Details | 00:08:00 | ||
| 1.3 Central Bank of Egypt credit regulations Details | 00:07:00 | ||
| 2. The Credit Process | |||
| 2.1 The 5 Cs of credit Details | 00:07:00 | ||
| 2.2 Know your customer and site visits Details | 00:06:00 | ||
| 2.3 iScore and credit history Details | 00:06:00 | ||
| 3. Financial Analysis for Credit | |||
| 3.1 Spreading financial statements Details | 00:08:00 | ||
| 3.2 Repayment capacity and debt service coverage Details | 00:09:00 | ||
| 3.3 Working capital needs assessment Details | 00:08:00 | ||
| 3.4 Cash flow projections for lending Details | 00:08:00 | ||
| 4. Risk and Collateral | |||
| 4.1 Industry and business risk Details | 00:07:00 | ||
| 4.2 Credit rating models Details | 00:07:00 | ||
| 4.3 Types of collateral and valuation Details | 00:07:00 | ||
| 4.4 Covenants and loan structuring Details | 00:07:00 | ||
| 5. Credit Memo and Monitoring | |||
| 5.1 Writing the credit memo Details | 00:09:00 | ||
| 5.2 Monitoring and early warning signals Details | 00:07:00 | ||
| 5.3 Problem loans and restructuring Details | 00:07:00 | ||
| 5.4 Final project: credit memo for a corporate client Details | 00:15:00 | ||
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