DeliverShockproof! Training Yourself, and upcoming events
Key
Credit Analysis Tools
and Techniques
everything you need to solve the credit puzzle
Target
Audience
This
course is for analysts and
lenders with rusty or limited
credit experience, skills,
or knowledge who need to
quickly and effectively
renew or enhance their analytical
tools and techniques in
properly assessing credit
quality.
Provide
a concise review of business
purpose, the role of strategy,
and the importance of
competitive advantage;
Understand
the two necessary conditions
for business success and
how to measure those conditions
after the required adjustments
for distributions and
withdrawals;
Explore
key differences between
amounts recorded on income
tax returns and financial
statements and their implications
for financial assessment;
Examine
the similarities and differences
between business organizations
and how those differences
impact analysis;
Use quick
cash flow estimates to
examine the impact of
profitability and balance
sheet management in generating
sufficient business cash
flow to service interest-bearing
debt;
Use quick
cash flow estimates to
examine the impact of
profitability and balance
sheet management in generating
sufficient business cash
flow to service interest-bearing
debt;
Identify
the management essentials
in place and working effectively
and assess management's
ability to succeed in
both good and bad times;
and
Explore
and determine the amount
of support available from
the guarantor to support
company debt service in
a financial or cash flow
crisis.
Course
Materials
Shockproof!
6 Essentials for Business
Success in Good and
Bad Times
Note on Assessing
Management and Projecting
Cash Flow
Note
on Key Ratios and Risk
Assessment
Note on Cash Flow
Formats and Risk Assessment
Note on Business
Organizations and Understanding
the Numbers
Note on Constructing
and Using the Personal
Cash Flow Statement
in Assessing Risk
1999 Financial Statements
for Benson Manufacturing,
Inc.
1999
(1120S) Income Tax Returns
for Benson Manufacturing,
Inc.
Loan Officer Summary
for Benson Manufacturing,
Inc.
Credit Memorandum for
Benson Manufacturing,
Inc.
1999
Financial Statements for
Sandover Contractors,
Inc.
Loan
Officer Summary for Sandover
Contractors, Inc.
Credit
Memorandum for Sandover
Contractors, Inc.
Excerpts
from 1999 Personal Income
Tax Returns for Douglas
McPherson
Exercise
Set (downloaded from Shockproof! Training
website)
Online
Review Quizzes
Solution
Set (downloaded from Shockproof! Training
website)
Access
to the Shockproof!
Training Resource
Center
Inclusion
in the Shockproof!
Training Discussion
Forum
Online
Credit Skills Proficiency
Exam
Upon
Completion
Participants who successfully
complete the workshop will
be able to:
Understand
the purpose of a business,
the role of strategy,
and the importance of
competitive advantage;
Identify
the differences between
business organizations
and their relevance to
properly computing key
financial ratios in assessing
risk;
Understand
and appreciate the difference
between business income
tax returns and business
financial statements and
the implications for assessing
risk;
Make
the necessary adjustments
for distributions and
withdrawals in calculating
net profit and operating
cash flow and identify
the best financial risk
indicators for assessing
the two critical conditions
for business success;
Effectively
construct and use a quick
cash flow estimate in
assessing risk;
Identify
and assess the likely
impact of competitive
forces and non-financial
red flags on business
performance;
Accurately
assess whether the management
essentials for business
success are in place and
working effectively; and
Identify
the linkage between guarantor
personal cash revenue
and the company whose
debt he or she guarantees
and assess the amount
of ready cash available
from the guarantor under
adverse circumstances.
How
to Order
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