Course Details

The Credit Analysis and Lending course is designed to provide participants with a comprehensive understanding of credit risk assessment, lending practices, and the management of credit portfolios. This course is particularly beneficial for finance professionals, bankers, credit analysts, and anyone involved in making informed lending decisions. Participants will learn the principles and techniques necessary to evaluate creditworthiness, structure loans, and manage credit risks effectively.

Core Content

Upon successful completion of the Credit Analysis and Lending course, participants will be able to:

  1. Credit Risk Assessment: Assess the creditworthiness of individuals and businesses by analyzing financial statements, credit reports, and economic conditions.

  2. Loan Structuring: Design and structure credit facilities that align with borrowers' needs while managing credit risk effectively.

  3. Risk Mitigation: Identify and mitigate credit risks through collateral, guarantees, covenants, and other risk-mitigating measures.

  4. Credit Scoring: Develop and apply credit scoring models to quantify credit risk and automate lending decisions.

  5. Regulatory Compliance: Understand and adhere to relevant regulations and lending laws, including consumer lending regulations and fair lending practices.

  6. Loan Documentation: Create comprehensive loan documentation, including loan agreements, promissory notes, and security agreements, to protect lenders' interests.

  7. Loan Monitoring: Implement effective loan monitoring and management strategies to track borrower performance and manage delinquencies.

  8. Portfolio Management: Manage credit portfolios to optimize risk and return, including strategies for diversification and risk concentration.

  9. Effective Communication: Communicate lending decisions and credit analysis findings clearly and professionally to stakeholders and clients.

  10. Ethical Considerations: Adhere to ethical standards and professional conduct in credit analysis and lending practices.

Requirements

  1. Educational Background: While there are no strict educational prerequisites, a background in finance, economics, or a related field is beneficial. Some institutions may require prior coursework in finance or accounting.

  2. Basic Mathematics: Proficiency in mathematics, including basic financial calculations and ratios, is essential for understanding credit risk assessment.

  3. Computer Skills: Familiarity with spreadsheet software (e.g., Microsoft Excel) is crucial, as the course involves financial analysis and modeling.

  4. Access to Data: Availability of financial data and credit reports for analysis, depending on the institution's resources.

  5. Study Time Commitment: Participants should be prepared to dedicate time to coursework, credit analysis exercises, and case studies.

  6. Textbooks and Materials: Access to recommended textbooks, credit analysis software, and course materials specified by the institution.

  7. Assessment: Successful completion of credit analysis assignments, case studies, credit scoring projects, and examinations as per the course curriculum.

  8. Practical Experience (Optional): Prior experience in banking, lending, or finance can be advantageous for a deeper understanding of course concepts.

  9. Language Proficiency: Proficiency in the language of instruction (usually English) is required to understand course materials and communicate effectively.

  10. Commitment to Ethical Standards: Students are expected to maintain the highest ethical standards and integrity throughout the course, especially in credit analysis and lending practices.

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    Price

    ৳ 110
  • Available Seats 18
  • Days Sunday, Wednesday, Friday
  • Time Evening (9:00 pm to 10:00 pm)
  • Difficulty Level Intermediate
  • Age 15-70
  • Start Date 30-Oct-23
  • Language English
  • Enrolled Students 0
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