DeliverShockproof! Training Yourself, and upcoming events
Financial
and Non-Financial
Red Flags
report
cards and lurking
disasters
Target
Audience
This
course is for all analysts
and lenders who require
advanced credit analysis
tool and techniques in assessing
risk and establishing loan
structure.
Identify
the most useful financial
risk indicators in providing
unambiguous signals about
the status and shifts
in a company's profitability
and cash flow from business
operations;
Using
specific measures of profitability
and cash flow, establish
a company's position on
the Risk Grid and track
shifts in the risk profile
from period to period
between the prosperity,
operational illness, strategic
illness, and terminal
illness quadrants;
Review
an array of non-financial
red flags and determine
the best sources of information
for each non-financial
red flag;
Assess
the likely impact on company
profitability and cash
flow from business operations
from the emergence of
specific non-financial
red flags;
Examine
a range of possible loan
covenants that may be
useful in mitigating the
risk from the emergence
of specific non-financial
red flags; and
Weigh
the relative impact of
financial and non-financial
red flags and risk indicators
in establishing the risk
profile of a company and
tracking shifts in that
profile.
Course
Materials
Note on Key Ratios
and Risk Assessment
1999
Financial Statements for
Benson Manufacturing,
Inc.
Loan
Officer Summary for Benson
Manufacturing, Inc.
Loan
Officer Memorandum for
Benson Manufacturing,
Inc.
1999 Financial Statements
for Sandover Contractors,
Inc.
Loan
Officer Summary for Sandover
Contractors, Inc.
Loan
Officer Memorandum for
Sandover Contractors,
Inc.
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 and intent
of a range of financial
risk indicators and understand
the benefits and limitations
of these financial risk
indictors in helping to
establish the risk profile
of a borrower;
Understand
the central role of the
Cash Drivers in reflecting
fundamental business activities;
Understand
the differences between
Cash Driver and Risk Assessment
financial risk indicators
and identify the most
useful Cash Drivers and
Risk Assessment financial
risk indicators in providing
unambiguous signals about
shifts in borrower risk
and debt service prospects;
Use and
apply a risk grid for
quickly assessing the
status and shifts in a
borrower's risk profile;
Identify
the appropriate sources
of information about the
existence and severity
of non-financial red flags
and track the impact of
their emergence on a company's
ability to properly service
its interest-bearing debt;
and
Identify
appropriate loan covenants
that may help mitigate
the impact of specific
non-financial red flags
should they emerge.
How
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