Lending Applications Training Course

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Course Language

This course is delivered in English.

Course Code

lendapp

Duration Duration

21 hours (usually 3 days including breaks)

Requirements Requirements

Overview Overview

Audience

  • Corporate Lending Staff requiring an understanding of financial statements
  • All Managers requiring an awareness of the information contained within financial statements; how that information is presented; and how that information is interpreted
  • Corporate and Personal Lending Staff needing to analyse financial information provided to them – and arrive at reasoned decisions
  • Support staff responsible for gathering and interpreting information for the lending managers
  • Staff responsible for the management of bad and doubtful debts who need a working knowledge of the decision-making process which led to the lending being made

Format of the course

A combination of:

  • Facilitated Discussions
  • Slide Presentations
  • Case-Studies and
  • Examples

Course Outline Course Outline

Understanding Financial Statements

  • Balance Sheets:
    • How are they created?
    • What do the respective sections mean?
    • Where does the information come from?
  • Profit and Loss Accounts
    • How do they differ from Balance Sheets?
    • What information is included?
    • Where does that information come from?
  • Budgets and Cash-Flow Forecasts
    • Why are these so key in Lending Appraisal?
    • What do they tell a lending banker?
    • More-importantly what do they not tell a lending banker?

Analysing Financial Statements

  • Analysis of the trends and ratios in the financial statements covering:
    • Liquidity
    • Security
    • Profitability
    • Financial Management and Efficiency
  • What do these trends tell a lending banker?
  • …and as before, what do these trends not tell a lending banker?

Corporate Clients

  • Analysis of Corporate Client lending propositions
    • Building expertise using a detailed Corporate Lending case study
  • Understanding that different types of company require subtly different shades of lending evaluation
  • Managing and monitoring the lending
  • Security:
    • Is it necessary?
    • What company security can we take?
    • How do we take and perfect our security?

Small Business Clients

  • As for Corporate Clients (see above)

Personal Clients

  • Analysis of Personal Lending propositions – understanding the criteria against which lending decisions are made (and which will differ between clients)
    • Building expertise through a series of detailed Case Studies on Personal Lending propositions
  • CAMPARI as a mnemonic to ensure that all aspects of the lending decision are fully considered
  • Analysing personal information (in the absence of Balance Sheets, P&L accounts etc.)
  • Making the decision; structuring the lending; and getting repaid
  • Monitoring the lending portfolio – looking for early-warning signs
  • Security:
    • Is it necessary?
    • What personal security can we take?
    • How do we take and perfect the security?

Guaranteed to run even with a single delegate!
Public Classroom Public Classroom
Participants from multiple organisations. Topics usually cannot be customised
From 4690EUR
(132)
Private Classroom Private Classroom
Participants are from one organisation only. No external participants are allowed. Usually customised to a specific group, course topics are agreed between the client and the trainer.
From 4690EUR
Request quote
Private Remote Private Remote
The instructor and the participants are in two different physical locations and communicate via the Internet
From 4040EUR
Request quote

The more delegates, the greater the savings per delegate. Table reflects price per delegate and is used for illustration purposes only, actual prices may differ.

Number of Delegates Public Classroom Private Classroom Private Remote
1 4690EUR 4690EUR 4040EUR
2 2835EUR 2785EUR 2460EUR
3 2217EUR 2150EUR 1933EUR
4 1908EUR 1833EUR 1670EUR
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