Introduction To Bank Lending

Category: Introduction To Bank Lending

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.

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

Benefit of Attending

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 Outline

  • 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
  • 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
  • Risk Types
  • Environmental Risk
  • Industry Risk
  • Operational Risk
  • Activity Risk
  • Financial Risk
  • Managerial risk
  • The SWOT analysis
  • The types of the credit facility
  • Medium and long term
  • Fixed maturity
  • Revolving
  • The additional securities
  • Personal
  • Shares
  • Third party Guarantees
    • The Balance Sheet Equation
    • The Income Statement
    • The Common Size Analysis
    • Vertical
    • Horizontal
    • Financial Ratios
    • Net working capital
    • Liquidity ratios
    • Inventory turnover
    • Average collection period
    • Average payment period
    • Others

    A Complete Proposed Credit Facilities Study

    Case studies

    Assignments

    SWOT.