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London Casablanca Dakar Lagos Accra Johannesburg
CPEs: 24
Instructor: Dennis Cox
Level: Intermediate
Tuition: £2,995.00
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NEW Credit Risk, SME Lending and Business Development RM042

Location: London Casablanca Dakar Lagos Accra Johannesburg

First Date: Oct 10- 12 2022

Duration: 3 days

Programme Director: Dennis Cox BSc FCA FCSI FISRM BFP AIIA

All Dates & Locations
Venue Details

Experience the highly-interactive expert-led social learning through Virtual Classroom via Cisco WebEx from Risk Reward.

All our 2022 Virtual Classroom events feature shared (or discrete) live chat between delegates and the expert, participate in topical surveys, polling questions, group exercises and case studies for a tried -and- true engaging and gratifying learning experience.

Need to bring this course in house or face-to-face? Simply contact us for significant cost savings and dates to best suit your needs.

"There was continuous discussion in a friendly atmosphere which made it possible to exchange thoughts with all the participants and we were in full review and its advantages and challenges it faces."
Abu Dhabi Commercial Bank
Agenda Highlights

Session 1: The Credit Sanctioning Process

Session 2: Understanding the SME Business Model

Session 3: Financial Evaluation of the Business Plan

Session 4: Ratio Analysis

Session 5: Non Financial Analysis of the Business Plan

Session 6: The Lending Manager’s Toolbox

 

"Dennis Cox is fantastic! Very good. The trainer used numerous real world examples. The course absoutely met our objecives. Really added value!"
European Bank, Athens
Overview

What makes good lending decision? Business fail because the run of cash but typically they succeed based on their differences. Financial analysis is important but where is the real value in the business? History is important but what is current context and how is the management investing to solve problems and to seize opportunities? Non financial analysis helps managers to visualise where the value is in a particular business and how this value is to be nurtured and sustained. How efficiently does this business manage risks and to deliver what they promise?

Methodology & training materials

  • Highly interactive expert-led discussions, worked examples and  case studies from local, regional and international best practise
  • Content-rich PowerPoint slides for desk reference
  • Individual and group Exercises
  • Supporting Materials, articles and website references

Knowledge Pre-requisites

This course assumes an understanding of banking lending, including a basic understanding of financial and non- financial analysis.

"Group discussion for brainstorming, shared many useful websites, non-banked lending most valued topic as rarely Is there too much information on this Great and useful."
HSBC, Asia
Who Should Attend

SME relationship Managers, Lending Managers, Business Development Managers, Credit Risk managers, Key support staff and other s with an interest in Lending and Credit Risk.

Delegates who complete the course will received a Certificate in Credit Risk, SME Lending and Business Development; should your employer require demonstration of competency via an exam this can be arranged at no additional cost.

Additional Course Information

What Does It Cover?

The Credit Sanctioning Process

• The need for money & Investment Readiness
• The lending process
• Risk and Risk management
• Cash and cash management
• Probable risk of default
• Probable loss on default
• Helping the SME to succeed

Understanding the SME Business Model

• Resources and capabilities
• Sources of competitive advantage
• Value chain analysis
• Economy, Objectives, Strategy, Tactics – Most
• Adding value
• The option to sell

Financial Evaluation of the Business Plan

• Importance of financial Statements
• Balance Sheets
• Profit and Loss Accounts
• Cash flow Forecasts-Assumptions and Sensitivities
• Off balance Sheet Assets
• Risk and Mitigates
• Project Appraisal – NPV, Paybank

Ratio Analysis

• Importance of Financial Analysis
• Trend Analysis
• Key Performance Indicators
• Financial Strength
• Liquidity
• Serviceability
• Working Capital Management & Asset Performance

Non Financial Analysis of the Business Plan

• The need for both Financial and non-financial analysis
• Real Business issues for SME’s
• Value Stream for SME’s
• Identification of critical success Factors
• Identification of Key Performance Indicators
• Credibility of Business Plans
• Credibility of Management

The Lending Manager’s Toolbox

• SWOT
• STEEPL
• Boston Matrix
• Porters 5 Forces
• SMART
• BEST PRACTICE – DEBT
• INTANGABILIY – EQUITY

Learning Objectives

Delegates will gain specialist technical and behavioural knowledge and practical applications ready to implement immediately  in the workplace.

Specifically

• To enable attendees to appreciate the value of planning to any business, what to look for when assessing a business plan and the type of factors which to enhance the creditability of plans and forecasts

• The use of financial analysis to consider the general credit worthiness from analysis of historic evident over time

• The use of non-financial analysis to consider the future prospects from an appraisal of the resources and capabilities of a business and the identification of factors which will be critical to success.

All delegates who complete the course will receive a Certificate in Credit Risk, SME Lending and Business, and  Development, and for those who require a demonstration of competency via an assessment, a 20 multiple choice questions, with remote invigilation and results report, plus 1 resit, is included at no additional price.

Social Learning & Methods

Highly interactive expert-led intensive presentation, Q&A, group real-time in-depth case studies, regulation and discussion supported by key principles and theory. The virtual learning platform uses safe, industry preferred encrypted Cisco WebEx to optimize live face-to-face visual interaction, discrete chat, for polling and quizzes.

(An invitation via email with access link is included for all participants.)

Registration

NEW Credit Risk, SME Lending and Business Development

Course Fee

Course Fee (per person):
GBP £2,995.00 (+ UK VAT when applicable)

Number of delegates:

Data Privacy & Update of Contact Details Risk Reward Limited is fully compliant with the Data Protection Act. The information you provide will be safeguarded by Risk Reward Ltd. We do not rent, sell or exchange your details to anyone without your consent. Your details are never given to third parties. If you wish to update your details, please email: info@riskrewardlimited.com with your OLD and NEW details. Please allow 10 days to see the changes take effect. Thank you.

Terms and Conditions: You can cancel at any time. Due to the on-going COVID 19 environment cancellations may be made at any time for either a full refund or a credit towards another event occurring within the following 6 month period. Simply email or telephone the London Client Services team at training@riskrewardlimited.com to advise your preference and we will do our best to accommodate your circumstances. Risk Reward Ltd receives the right to a final decision in the event of a dispute.

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