Credit Assessment Techniques Workshop

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COURSE DESCRIPTION
We continue to face a crisis brought on by the current Pandemic. Some businesses have risen to the challenge, while others are struggling to survive. Lending in such an environment is proving to be difficult. However, banks cannot retreat
from offering loans to the market; since now more than ever, at this time, businesses need the support by way of funding from their bankers to continue their operations. While at the same time, to maintain the health of their loan portfolios, lenders will require a shift in focus in how they assess credit applications.


TARGET AUDIENCE
This workshop is designed for all personnel involved in the loan process, whether it be at the origination or adjudication (approval) level.


LEARNING OUTCOMES
At the end of the workshop, participants should be able to:
1. Demonstrate improved loan underwriting skills (Business and consumer loans).
2. Use various models to assess the suitability of credit applications.
3. Identify risks from the outset, which may potentially result in non-performing loans.
4. Analyse financial statements to gauge the financial health of a company and assess
its debt servicing capacity.


COURSE CONTENTS
1. The Organization’s Credit Risk Management Environment:
a. Policies and procedures
b. Roles and responsibilities
(Origination/Adjudication/Disbursement)

2. Credit Risk Assessment:
(Framework for lending - various models)
3. Understanding the Working Capital Cycle
4. Understanding Financial Statements
a. Statement of Profit or Loss
(Focus on sales, margins and expenses)
b. Statement of Financial Position
(Implications of the structure of the Balance Sheet)
c. Statement of Cash Flows
(Focus on assessing the company’s capacity for debt servicing)
d. Cash Flow Projections
(Critical information that must be included)

5. Financial Analysis using ratios

6. Making the Lending Decision
7. Structuring the Facility (Risk mitigation/alignment of factors)
8. Collateral Considerations
9. Monitoring and Management of Credit Risk
10. Case study


FACILITATOR
Dunstan Morgan is a career banker, with over thirty years’ experience in retail, corporate and merchant banking. Most of these years were spent at National Commercial Bank and Mutual Security Bank. During his tenor at National Commercial Bank, he was seconded to the Staff Training Centre for three years. Throughout this period, he served as an instructor, designing and delivering courses covering various aspects of banking. He also worked in the Co-operative Movement for seven years, where he headed the Credit Unions’ Risk and Compliance Unit at the Jamaica Co-operative Credit Union
League.

His main focus now, has been facilitating workshops on Credit Assessment Techniques and Loan Administration for financial institutions, including banks and Co-operative Credit Unions. Dunstan is an Associate of the Chartered Institute of Bankers (ACIB) and holds an MBA, which was issued jointly by the University of Manchester and the University of Wales.

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