CATEGORY TYPE: Banking

COURSE NAME:Introduction to bank credit


UPCOMING EVENTS


START DATE END DATE CITY/COUNTRY PRICE Request
This course can be scheduled at your convenience, to request this course please click here
INTRODUCTION:

 

  The amount of credit available to a company or individual from the banking system. It is the aggregate of the amount of funds financial institutions are willing to provide to an individual or organization.

A company or individual's bank credit depends on both the borrower's capacity to repay and the overall amount of credit available in the banking system. Bank credit for individuals expanded enormously over the past 50 years, as consumers grew accustomed to having several credit cards. Some observers were predicting that the financial crisis in 2008 could mean a return to those earlier years, when credit, although relatively cheap, was difficult to obtain, especially for those with poor credit histories.

Consumer debt can be defined as ‘money, goods or services provided to an individual in lieu of payment.’ Common forms of consumer credit include credit cards, store cards, motor (auto) finance, personal loans (installment loans), consumer lines of credit, retail loans (retail installment loans) and mortgages. This is a broad definition of consumer credit and corresponds with the Bank of England's definition of "Lending to individuals". Given the size and nature of the mortgage market, many observers classify mortgage lending as a separate category of personal borrowing, and consequently residential mortgages are excluded from some definitions of consumer credit - such as the one adopted by the Federal Reserve in the US.

The cost of credit is the additional amount, over and above the amount borrowed, that the borrower has to pay. It includes interest, arrangement fees and any other charges. Some costs are mandatory, required by the lender as an integral part of the credit agreement. Other costs, such as those for credit insurance, may be optional. The borrower chooses whether or not they are included as part of the agreement.

OBJECTIVES:

The program aims to introduce participants to the issues and challenges of bank credit, including theoretical and practical dimensions (technical) for the analysis of credit and its role in the rationalization of the lending process in the bank, because the bank credit is one of the most important stages throughout the credit application in order to get to the final decision to grant the client a loan or do not.

OUTLINE:
  • The concept of bank credit
  • process of credit analysis p: the borrower itself, the nature of the borrower, Collateral, Cash flow analysis
  • Elements of the credit rating of the borrower: reputation and experience of the client, the client's ability to pay, the study of the financial position of the client, the study of the general conditions of the client, to assess the risk of loans for the customer.
  • Credit Analysis phases: definition of credit analysis, credit granting steps.
  • Sources of credit information: direct sources, indirect sources, the query from the central bank and other sources .
  • The general framework for the analysis of credit
  • Analysis of the financial statements of the client using financial ratios.
  • Credit risk analysis.
  • Analysis of the debt ratios, and proportions of coverage, and liquidity ratios.
  • A different process for multiple set of financial sectors for various applications lists.
WHO SHOULD ATTEND:

 

  • Credit officers
  • Credit Risk Officers .
  • Credit Risk Seniors .
  • Accountants.
  • Financial analysis .
  • Auditors .
  • Operations supervisors.
  • Trade Finance officers .
  • The banking sector staff from modern and medium levels of expertise in credit facilities with various divisions: individuals facilities, corporate facilities, SMEs facilities,  and banking circles risk, credit operations and services, and treasury departments, and sales departments.

 

DURATION:
    • 5 Day(s)
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