Course Details

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• Non Print version – $4.99
• Print version – $7.99

Course Contents

Credit Process

1.           Mindset

i.            Intent
ii.           Classification
iii.          Pricing
iv.          Fit

2.           Understanding the language

i.            Capital Structure
ii.           Debt (Leverage)
iii.          Maturity
iv.          Default
v.           Interest
vi.          Commitment Fees
vii.         Credit Culture
viii.        Liquidation costs
ix.          Creditworthiness
x.           Work-out and Charge off
xi.          Owners’ Equity
xii.         Bankruptcy
xiii.        Stakeholders
xiv.        Credit Limit
xv.         Syndicate
xvi.        Basis Points
xvii.       Collateral

3.           Why do businesses borrow money?

i.            Why does the firm need money, and what is it going to do with it?
ii.           Why is the firm borrowing money?
iii.          Sources of Repayment

4.           Lending Products

i.            Line of Credit. 15

ii.           Revolving Credit
iii.          Bills discounting
iv.          Term loans
v.           Consumer Loans
vi.          Trade credit
vii.         Bonds

5.           Review

i.            Credit Risk & Credit Analysis
ii.           Credit Risk and Credit Spreads
iii.          Credit Analysis Process

6.           Credit Culture and Information Gathering Foundations

i.            Information Gathering – Foundations

7.           Information Gathering and Processing

i.            Information Gathering – Data
ii.           Information Processing

8.           The Credit Decision

i.            Accept / Reject
ii.           Term Sheets
iii.          Loan Pricing
iv.          Compliance & Documentation

9.           Credit Decision – Factors

i.            Industry Analysis
ii.           Business Analysis – Other Qualitative Factors
iii.          Credit Rating Agencies
iv.          Importance of Cash Flow Analysis in Credit Analysis
v.           Cash Flow Statements

10.         Analyzing Cash flow Statements: Examples

Example 1 – Office Depot
Example 2 – Will and Can Inc.

No. of pages

45

File size

1.2 MB

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Master Class: Credit Process

Course Details

Price

• Non Print version – $4.99
• Print version – $7.99

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Course Contents

Credit Analysis
1.           Introduction

i.            Leverage
ii.           Fixed and variable costs and their impact on leverage

2.           Breakeven and Leverage

i.            Breakeven Analysis
ii.           Margin of Safety
iii.           Key Takeaway

3.           Fixed Costs and Operating Leverage

i.            Operating Leverage
ii.           Degree of Operating Leverage
iii.          The downside of operating leverage

4.           Financial Leverage

i.            Introducing Financial Leverage
ii.           Degree of Financial Leverage
iii.          The downside of Financial Leverage

5.           Combining Financial and Operating Leverage

No. of pages

21

File size

908 KB

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Master Class: Credit Analysis