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:Â The Elements of Dealing with the Risk
- Risk Types
- Environmental Risk
- Industry Risk
- Operational Risk
a-Â Activity Risk
b-Â Financial Risk
c-Â 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:           Â
- The Balance Sheet Equation
- The Income Statement
- The Common Size Analysis
- Vertical
- Horizontal
- Financial Ratios                    Â
- Net working capital
- Liquidity ratios
- Inventory turnover
- Average collection period
- Average payment period
- Others
- A Complete Proposed Credit Facilities Study
- Case studies
- AssignmentsÂ
- SWOT.
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