Objectives
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| This training programme is designed
to give delegates a thorough understanding of the basic principles
of lending to businesses, ranging from SMEs to large quoted corporates.
This is a foundation course, aimed at staff new to credit analysis
or credit/account management. Delegates should have a basic understanding
of financial statements before undertaking this course (if not, we
recommend attendance on Understanding Company Accounts first).
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Content
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the principles of lending
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types of business (sole trader / partnerships
/ limited companies)
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putting analysis into context - the "Risk
Funnel"
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non-financial assessment tools
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understanding the accounts
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ratio analysis
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CORPORATE
CREDIT ASSESSMENT (ADVANCED)
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Objectives
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| This training programme is designed
to give delegates a thorough understanding of the principles of lending
to businesses, ranging from SMEs to large quoted corporates. As our
advanced course, this programme is designed to enhance existing skills
and to develop more effective ways of analysing corporate credit risk.
It is particularly aimed at existing credit analysts, credit managers
and account/relationship managers. |
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Content
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principles of lending revisited
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putting analysis into context - the
"Risk Funnel"
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non-financial assessment - understanding
the business
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creative accounting issues and contingent
liabilities
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advanced ratio analysis
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cash flow analysis and projections
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lending to groups of companies
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structuring facilities, including the
effective use of covenants
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credit ratings and other market views
of risk
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corporate warning signs and how to avoid
past mistakes
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practical exercises and case studies
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suggested post course activities
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Objectives
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| This training programme is designed
to give delegates confidence in reading and understanding company
accounts, particularly plc annual reports and the accounting information
available about private companies in the UK. It is an ideal foundation
course for anyone involved in credit assessment, competitor analysis
and credit control. It tackles the subject in a highly practical way,
demystifying the jargon and avoiding unnecessarily complex explanations
of accounting standards. |
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Content
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types of accounts
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sources of information
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basic accounting principles and concepts
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directors' responsibilities and the
audit statement
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groups of companies and consolidated
accounts
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the profit & loss account explained
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the balance sheet explained
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off balance sheet assets & liabilities
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cash flow statements
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key financial ratios
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international accounting issues
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suggested post course activities
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Objectives
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| This training programme is designed
to give delegates a thorough understanding of the principles of cash
flow analysis and how cash flow analysis and projections can lead
to more informed credit decisions. It is particularly suitable for
more experienced lending managers whose formal training was concluded
before cash flow statements (per FRS1) were introduced. |
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Content
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the importance of cash flow analysis;
links with "traditional" ratio analysis
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how and why cash flow differs from reported
profits
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the UK accounting standard 'FRS1' -
layout and limitations
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interpreting and analysing the cash
flow statement - key performance measures
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cash flow ratios, contrasted with their
conventional equivalents
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projecting cash flows and spotting potential
liquidity crises
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case studies to demonstrate that "cash
does not lie"
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suggested post course activities
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Objectives
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| This training programme is designed
to give delegates a practical grounding in the ways to spot emerging
problems, both with individual accounts and on a portfolio basis*.
Practical exercises will be used to show how predictive ratios and
cash flow analysis can help to highlight accounts at risk, in conjunction
with a study of key non-financial indicators. This course makes an
ideal precursor for our Managing Problem Lending
programme |
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Content
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what makes lending problematical?
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setting the scene for analysis - the "Risk
Funnel"
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economic cycles and indicators
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understanding the industry
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understanding the borrower - products/processes/management
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peer group analysis
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financial warning signs - historic figures
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using management information to spot problems
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cash flow analysis and predictive ratios
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account conduct
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the role of investigating accountants
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learning lessons from the past
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case studies and practical examples
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suggested post course activities
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Objectives
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| This training programme is designed
to give delegates practical guidance in developing appropriate strategies
for managing problem lending, for all types of business lending from
SMEs to large multinational corporates. Practical exercises will demonstrate
how to evaluate the options and how to protect a lender’s interests.
The course will also consider the requirements of the BBA Code of
Practice, multi-bank workouts, the issues involved in perfecting/realising
security and the application of insolvency laws. This course makes
an ideal companion to our Identifying Problem Lending
programme |
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Content
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recognising that a problem exists
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immediate actions - capping your exposure
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identifying the causes of the problems
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gathering all relevant information
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the role of investigating accountants
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is there a viable business at all?;
developing a recovery plan
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improving your security, renegotiating
facilities/pricing
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implementing action plans/monitoring
progress
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the BBA Code of Practice; multi-bank
workouts and the "London Approach"
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insolvency law - some practical issues
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debt/equity conversions
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learning lessons from the past
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case studies and practical examples
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suggested post course activities
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to Bank Training Page |
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Objectives
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| This training programme is designed
to give delegates a thorough understanding of the principles of lending
to groups of companies (or indeed to individual companies within a
group). Delegates will be shown how to understand group structures,
identify the companies with valuable assets and cash flows and then
how to structure lending in the optimum way to maximise recoveries
in the event of a default. This programme is particularly suitable
for more experienced lending managers involving in structuring lending
to plcs and large groups of privately owned companies. |
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Content
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typical corporate structures
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consolidated accounts v. "company alone"
figures
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sources of information
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identifying assets and cash flows
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insolvency of a "group"
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- protecting your exposure - security structures
- protecting your exposure - covenants
- negotiating the optimum structure
- case study work/practical examples
- suggested post course activities
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Objectives
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| This training programme is designed
to give delegates a thorough understanding of the principles and practical
issues involved in the specifying and monitoring of financial and
non financial covenants. Lenders are frequently not able to take tangible
security to protect their exposures, yet enter into term commitments.
However, appropriately structured and documented covenants can provide
an effective mechanism for lenders to take control and to manage their
exposures - this highly practical training programme demonstrates
how! |
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Content
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- the principal financial covenants
- the principal non financial covenants
- choosing the right covenants
- case study 1 - which covenants to use?
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- case study 2 - negotiating the deal
- suggested post course activities
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to Bank Training Page |
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Objectives
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| This training programme is designed
to improve delegates’ ability to prepare concise, focused reports,
specifically dealing with credit analysis reports and credit application
proposal papers. |
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Content
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- principles of report writing
- understanding the needs of the reader
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- focus on the facts and issues
- ways to present complex data
- suggested post course activities
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to Bank Training Page |
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Objectives
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| This training programme is designed
to give delegates a thorough understanding of the principles of effective
negotiating. The course will develop highly practical skills and uses
video role-plays to help delegates to improve their performance in
a supportive environment. The course concentrates on honing the basic
skills in order to give delegates greater confidence in any negotiation. |
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Content
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- how successful negotiation gets results
- self assessment of present skills
- the five stages of negotiation
- win:win contrasted to win:lose styles
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playing dirty
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practical exercises (video role plays)
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telephone based negotiation
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personal action plans
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suggested post course activities.
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to Bank Training Page |
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Objectives
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| This training programme is designed
to give delegates the confidence to make effective presentations,
selecting the appropriate materials to support the presentation. |
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Content
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understanding your audience
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planning and structuring your presentation
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basic rules when presenting
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selecting the right visual aids
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pro’s and con’s: OHPs, flip
charts, videos, PC tools
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working with small groups, desk top presenters
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dealing with interruptions and questions
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practical exercises (video role plays)
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personal action plans
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suggested post course activities.
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We also run more advanced informal critique sessions
about bank tender documents
and presentations.
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to Bank Training Page |
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Objectives
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| This training programme is designed
to give delegates a thorough understanding of the structure of the
bus & coach industry, key legislative measures and an overview
of the key players. The programme will examine the financial statements
of typical players and will help delegates to understand the key non-financial
indicators that are relevant in risk assessment. The course presenter
is a qualified transport manager as well as being an experienced lending
banker. |
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Content
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- historical overview/background to deregulation
- the operator licensing system
- the role and powers of the Traffic Commissioners
- key legal controls - service licensing/driver’s
hours regulations/prohibitions/competition law
- industry structure/key players
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- financial characteristics of typical
operators
- coach tour operators - package tour rules
- key non financial risk indicators
- future trends/impact of government policy
(including the Disability Discrimination Act and its impact on
residual values; environmental controls)
- suggested post course activities.
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to Bank Training Page |
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Objectives
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| This training programme, delivered
as two 2 day modules, is designed to help delegates who are involved
with lending to airlines. Airline Economics examines the latest
developments in the industry, considering what drives demand for airline
traffic, the strategies that airlines adopt and pricing/revenue management/cost
management issues. Airline Finance looks at the financial statements
of airlines and how these can be interpreted in the context of an
overall risk assessment. |
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Content
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Airline Economics:
- pricing & revenue management
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Airline Finance:
- airline financial statements
- suggested post course activities.
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- sources of business finance
- negotiating security packages
- preparing and presenting business plans
- choosing the right bank products
- coping with "intensive care"
bank management
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- structuring banking facilities
- negotiating covenants and loan documentation
- changing banks - practical aspects
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| Return
to Bank Training Page |
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Objectives
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| This is a highly individualistic training
package, designed to cover the critical aspects of a company's relationship
with its bankers. The course content is tailored to the needs of individual
participants, to the extent that no two courses are the same. The
programme is aimed at Treasurers, Finance Directors and senior management
generally. |
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Content
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topics to be covered will vary according to the particular circumstances
and can include: |
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- sources of business finance
- negotiating security packages
- preparing and presenting business plans
- choosing the right bank products
- coping with "intensive care"
bank management
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- structuring banking facilities
- negotiating covenants and loan documentation
- changing banks - practical aspects
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| Return
to Bank Training Page |
