The credit Analyst Training course
This course offers thorough instruction in credit analysis and gives students the tools they need to succeed as Credit Analysts. The comprehensive assessment of credit risk for any company, the qualitative assessment of business risk factors, the quantitative analysis of financial risk factors, the calculation of financial ratios, and the estimation of the cost of debt financing for businesses are just a few of the key topics covered in detail in the course. This course gives students who want to excel in the field of credit analysis a comprehensive education thanks to its extensive content and emphasis on practical skills.
- Undertake comprehensive credit risk analysis of companies
- Assess qualitatively the business risk factors of any company
- Assess quantitatively the financial risk factors of any company
- Undertake financial ratio analysis
- Estimating the cost of debt financing of any company
Course Duration- 2 hours
Credit Management, invoicing, and collection for B2B
Through its five parts, this training provides insightful information and practical methods to improve receivables management. The first session looks at how people pay their bills in a few different European nations while highlighting the importance of credit management and collections. In order to evaluate potential consumers’ creditworthiness, the second module goes deeply into risk analysis. Participants study methods for streamlining and improving the billing process in the third module. The fourth lesson discusses collecting procedures and addresses frequent client complaints and justifications. The last session gives students the knowledge they need to deal with such circumstances successfully by focusing on the pre-litigation stage and legal actions. This thorough course equips participants to enhance receivables management by carefully choosing clients and accelerating collections.
- Issue an invoice in an efficient and effective manner
- Conduct a financial pre-analysis of our potential client;
- Understand what is a collection routine and how to apply it in practice;
- How to choose and proceed with the collection methods;
- Know how to handling with disputes and frequent excuses;
- Be able to carry out payment plans and how to apply late payment interest;
- Know how to issue an ultimatum letter or final demand letter;
- Prepare the information to be delivered to the lawyer;
- Understand what is the European Order for Payment procedure.
Course Duration- 1 hour 26 mins
Through five courses, this training provides useful knowledge and methods to improve receivables management. The importance of credit management and collections is highlighted in the first lesson, which looks at payment practises in a few different European nations. In order to assess the creditworthiness of potential consumers, the second module goes further into risk analysis. The final session teaches learners methods for streamlining and improving the billing process. The fourth lesson discusses collecting procedures, including frequent client justifications and disagreements. The last lesson focuses on the pre-litigation stage and legal activities, giving students the knowledge they need to properly handle such circumstances. By carefully choosing clients and accelerating collections, this extensive training equips participants to improve receivables management.
- Identify key management characteristics, such as their business and financial acumen
- Assess management’s growth strategy and contingency policies
- Evaluate stakeholder management
- Analyze the possibilities and problems that arise from management characteristics
- Identify how to assess management’s abilities and what information must be gathered for performance evaluation
Course Duration- 2.5 Hours
Credit Administration and Documentation
Credit management is not complete without credit administration and paperwork, which support the credit process and help credit analysts monitor accounts and reduce default risks. Analysts can guarantee the efficient performance of credit operations by adhering to correct credit administrative and documentation standards. These procedures allow for ongoing account monitoring, making it easier to spot possible risk factors and put risk-reduction plans into action. Credit analysts can get useful insights into the creditworthiness of borrowers and make wise decisions to reduce default risks by maintaining correct and up-to-date documentation. Successful credit management and protecting an organization’s financial stability depend on efficient credit administration and documentation.
- Explain the importance of credit administration
- Describe credit risk considerations and recognize warning signs
- Identify the steps taken when monitoring credit accounts
- Recognize the different types of documentation used to support the administrative process
- List the key steps in the annual review process
Course Duration – 1.5 hours
Credit Risk Management: Frameworks and strategies
In this course, you will use business and industry analysis to understand companies, projects, business models, and financing proposals. You will then prepare qualitative risk analysis for specific companies to use as the basis for financial analysis, project analysis, and risk decisions. Lastly, you will understand how to use financial ratios and financial metrics to evaluate a company or project’s profitability, balance sheet, capital structure, and cash flow to assess overall financial performance and risk profile.
- Use business and industry analysis to understand companies, projects, business models, and financing proposals
- Prepare a qualitative risk analysis for specific companies to use as the basis for financial analysis, project analysis, and risk decisions
- Understand the principles & concepts of credit risk including categories of risk, types of exposure, credit products, expected/unexpected credit loss
Course Duration– 8 hours 30 mins
Basics of Credit Management – A Practical Approach + Quiz
Ten sections, each addressing a key aspect of lending and credit analysis, make up this extensive course. In the first module, lending concepts and due diligence are covered, along with banking risks, borrower assessment, and security feasibility. The second lesson examines numerous debtors, covering the law pertaining to sole proprietorships, partnerships, and diverse business structures. The following modules include topics like the ability of businesses to borrow money, financial statements, concepts related to balance sheets, income statement analysis, ratio analysis, working capital loan assessment, and term loan appraisal. A thorough term loan case study including project cost analysis, financial schedules, and balance sheet interpretation is presented in the final session. This course provides thorough information and useful skills in credit analysis and lending through lectures, examples, and case studies.
- Understanding Banking Risks and Lending Principles.
- Understanding Due Diligence in Credit.
- Understanding Feasibility & Viability Study.
- Understanding Term Loan Characteristics.
- Understanding Break-Even Analysis.
- Learning how to prepare a Depreciation Schedule.
- Learning how to calculate the Repayment Schedule.
- Learning how to calculate Insurance premiums.
- Learning how to process a Term Loan through case studies.
- Learning how to take credit decisions by applying a bank’s benchmark ratios.
- Test your learning through loads of MCQs.
Course Duration- 5 hours 41 mins
Risk management Specialization
For STEM undergraduates, finance professionals, bank and investment managers, company managers, regulators, and policymakers, the New York Institute of Finance (NYIF) provides a 4-course Specialisation. The main goal of this course is to give students the knowledge and abilities they need to measure, evaluate, and manage risk in their workplaces. Participants will understand how to construct a risk management process utilizing various frameworks and tactics taught throughout the program by the end of the Specialisation. For effective completion of the exercises, it is advised that learners have a fundamental understanding of statistics and probability, familiarity with financial instruments, and competence with MS Excel. The program requires a novice-level understanding of risk management foundations.
- Understand the concepts and principles of credit risk management and the steps to manage portfolio credit risks.
- Use statistical models to measure risk associated with different types of investments.
- How to build an operational risk assessment program.
- Differentiate between financial and business risks
Course Duration– self-paced
8. Risk Management And Credit Principles
A 4-course Specialisation is available from the New York Institute of financial (NYIF) for STEM undergraduates, financial professionals, bank and investment managers, company managers, regulators, and policymakers. This course focuses on giving students the tools they need to analyze, evaluate, and manage risk in their workplaces. Participants will have learned how to create a risk management process utilizing a variety of frameworks and techniques at the end of the Specialisation. The program presupposes a fundamental awareness of the principles of risk management, and it is advised that students have a working knowledge of statistics and probability, a working knowledge of financial instruments, and competence with MS Excel in order to successfully complete the exercises.
- Introduction to Risk Management and Credit Principles
- Principles of Corporate and Project Finance
- Credit Markets, Loan Defaults, and Expected Loss
- Business, Industry, and Company Risk
- Rating Agencies and Financial Disclosure
Course Duration- 6 weeks
9. Fundamentals of credit
This course emphasizes the importance of credit in both personal and professional contexts. It examines issues related to lending, including the contrast between conventional loans and trade credit, different interest rates, loan kinds, the use of security as collateral, and the creation of an amortization schedule for paying off long-term debt. An overview of the 5 Cs of Credit framework and how it affects loan characteristics is given in the course. Additionally, it discusses qualitative analysis tools and crucial financial measures that are used to analyze a company’s trustworthiness. Additionally, students learn about the credit industry and the employment options open to would-be credit professionals.
- Define what credit is and how it’s created.
- Identify some of the different career opportunities available to credit professionals.
- Compare different types of interest payments and loan characteristics to help inform an appropriate credit structure.
- Explain what capital expenditure (or CAPEX) is and how debt financing can support it.
- Explain the 5 Cs of the Credit framework and how it informs risk assessments.
- Identify the important qualitative and quantitative techniques, including key financial ratios used in the risk assessment process.
Course Duration- Self Paced
10. Fundamentals of Credit Management
This thorough course is intended to help credit managers find creditworthy applicants and set up workable credit payback conditions. The basics of credit management, such as evaluating a borrower’s credentials, capital, and character to establish their capacity and willingness to repay the credit, are covered in the first section of the course. Prior to making credit judgments, the job of the credit officer is examined, with a focus on data analysis, due diligence, and risk assessment. The course goes into greater depth about lending principles, addressing banking risks, due diligence, and various borrower types. Working capital loans, ratios, and income statement analysis are all well covered. Participants will get the knowledge and abilities needed to handle credit responsibly, enhance cash flow, and guarantee adherence to corporate credit policy by completing this course.
- Explain the principles of lending in businesses
- Discuss the principles of ‘risk spread’
- State the importance of timely repayment of loans
- State the circumstances that lead to the dissolving of the partnership firm
- Identify the various components of the financial statement
- Discuss the primary purpose of the income statement
- Recall the formulas for calculating quick assets and net working capital
- Discuss the principles of the working capital loan system
- Distinguish between the gross and net operating cycle
- Define the term ‘liquid surplus’ as used in computing working capital
Course Duration- 1.5 – 3 hours
11. Credit Risk and Credit Analysis
The New York Institute of Finance’s Professional Certificate program in Finance is intended to give analysts the expertise they need to succeed in the credit risk management industry. There are four courses in the program, plus a final exam. Participants will get a firm understanding of the fundamentals of credit risk after an introduction to risk management and credit concepts. Topics including ratio analysis, cash flow analysis, projections, and structuring are covered in the following courses. The program places a strong emphasis on analyzing business borrowers and determining their creditworthiness, stability, and reliability of cash flow. A Credit and Credit Risk Analysis Professional Certificate, which is valued by companies as a useful credential reflecting competency in the sector, is awarded upon successful completion of the program.
- Risk Management and Credit Principles
- Ratio Analysis
- Cash Flow Analysis
- Projections and Structuring
Course Duration- 2-3 hours per week