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CREDIT AND FINANCIAL ANALYSIS
 
     
  Summary Description  
  The workshop focuses on applying the techniques of financial analysis which are most effective for evaluating a client’s financial condition, credit risk, and repayment capacity. The use of individual cases enables participants to analyze the dynamics of past, present and future cash flows / repayment capacity for clients in different industries. The learning will improve participants’ abilities for making good credit recommendations as to what risk to accept, the proper structuring of credit facilities, and the identification of key factors affecting a client’s cash flow.  
     
  Methodology  
  Multiple part and individual case studies  
     
  Target Audience  
  Middle Market and Corporate Banking relationship management and credit staff with 2 to 4 years of pertinent experience who need to increase their understanding and mastery of the financial analysis tools covered.  
     
  Main Topics  
 
Financial Strength
- Analysis of the income statement
- Revenue risk, business risk, operating leverage and margin
- Liquidity and cash flow
- Liquidity and cash flow Capital structure, financial leverage, and cost
  of capital Cash Flow
- Liquidity and cash flow Sources and uses of funds; operating and
  non-operating flows
- Liquidity and cash flow Composition of a cash flow analysis; from
  EBIT to free cash flow
- Liquidity and cash flow Projected cash flows
- Liquidity and cash flow Verifying the internal consistency of client
  financial statements
  Liquidity
- Current and quick ratios, working capital
- Operating and cash-conversion cycles
- Constructing reverse cash flows
- Efficiency ratios
Sustainable Growth
- Product of four ratios
- Implications of actual v. Sustained growth rate
Beyond the client’s financial statements; drivers of the numbers
 
       
 
  Duration  
  2 days  
     
   
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