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Finance & Budgeting

Introduction to Bank Lending

Understand the Concept of Lending Function, Credit Risk & Master the Skills Required to be an Effective Credit Analyst

 

Who Should Attend:

  • Fresh Credit Officers , Fresh Credit Risk Analysts
  • Newly Appointed Employees in the Finance, Credit and Lending Department
  • Retail Banking Staff & Relationship Managers
  • Compliance Officers
  • Trade Finance Department Staff
  • Staff transferred to Corporate Banking Department

Course Objectives

 
  • To help participants gain the essential technical skills of tasks performance regarding Credit Department increasing their overall effectiveness.
  • An Overview of Credit Risk Measurement and Management
  • Understand the process, different forms and types of Lending by a Bank
  • Familiarity with the processes and principles of Credit Operations and the importance of loan and bank policies
  • Gain an in-depth knowledge of Credit Risk Analysis, the types of Risks and how to tackle different elements of risks
  • Learn about the different types of Credit and Lending Facilities
  • Provide an in-depth knowledge of Financial Analysis techniques – all about Income Statements, Financial Ratios, Balance Sheets.

What will you gain?

Upon completion of this course, you will be able to:
  • Understand the credit process, the different types of credit and lending opportunities
  • Understand the Financial Analysis and Ratios and how each system is implemented within the Credit Department
  • Gain a hands-on knowledge on the role of Commercial Banks in Lending
  • Learn step-by-step process of Bank Lending and Credit Operations
  • Comprehend the types of Risks and elements of dealing with this.

Course Content

(Chapter One) General Introduction - Credit granted by Commercial Banks:
  • The role of commercial banks in economic and social activities
  • Types of Markets
  • Objectives and functions of Qatar Central Bank
  • Legal forms of companies
  • The main elements of the bank credit policy
 (Chapter Two) Principles of Credit Operations:
  • Credit analysis  MARS +
  • The matching between the loan purpose and the bank policy
  • The importance of Customers Interviews
  • The field visits
  • The credit staff skills
  • The stages of the customers interviews
  • Questions to be covered
  • The asset conversion cycle
(Chapter Three) Credit risk Analysis: The Elements of Dealing with the Risk
  • Risk Types
  • Environmental Risk
  • Industry Risk
  • Operational Risk
a-     Activity Riskb-     Financial Riskc-     Managerial risk
  • The SWOT analysis
  (Chapter Four) Preparing the Credit Memo
  • The types of the credit facility
    • Medium and long term
    • Fixed maturity
    • Revolving
  • The additional securities
    • Personal
    • Shares
    • Third party Guarantees
 (Chapter Five) the preparation of the Credit Study including the Financial Analysis:           
  • The Balance Sheet Equation 
  • The Income Statement
  • The Common Size Analysis
    • Vertical
    • Horizontal
  • Financial Ratios                    
    • Net working capital
    • Liquidity ratios
    • Inventory turnover
    • Average collection period
    • Average payment period
    • Others
  • A Complete Proposed Credit Facilities Study
  • Case studies
  • Assignments
  • SWOT.


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