• Equip with the relevant knowledge, skills and attitude towards business credit essentials
• Equip with the Basic skills in understanding and types of tools in analyzing the credibility of a borrower’s business, financial and risk profiling
• Basic understanding of SMEs, Commercial and Corporate Business Credit
• Able to understand the different types of lending, credit product risks, pricing, fundamental credit and credit risks principles
• Financial Statement make up and its credit and business analysis
• Understand the Basic Types of financial ratios used in analyzing Business Credit
• Recognize the major drivers of business and financial policies of a company and analysis of its financial statements.
• Business Credit Cycles and Asset Conversion Cycles.
• Different types of securities and covenants to be applied to business credit

3 days Comprehensive Credit Fundamental Workshop Fundamentals of Credit Principles and Fundamentals of Financial Statement Analysis for Credit Originators

Module 1: Credit Jargon language used in credit proposal write up

• Credit language; Credit Instruction
• Credit Mitigation
• Negative & positive Credit Jargons

Module 2: Introduction to Credit

• What is Credit and its fundamental principles of lending
• Good vs. bad lending

Module 3: Business Lending Products & Services

• Types of Products & Services
• Types of Lending
• Product risks profiling
• Credit Processing Policy & Procedures
• Pricing Strategy

Module 4: Principles of Lending

Module 5: The 5 C framework and Qualitative & Quantitative Information needed for Business Credit, Credit Scoring Mechanism

Module 6: Types of borrowers and their legal status

Module 7: Credit information and its verification in Business Credit

Module 8: Fundamentals of Financial Statement & its analysis

Module 9: Loan Landed securities and credit support in Business Credit

Module 10: Basic Understanding of Guarantees and Indemnities

Module 11: Case Study: Business Credit Simulation

• Credit Officers