CREDIT & FINANCIAL ANALYSIS
“Evaluating Credit Risk and Financial Health for Informed Lending and Investment Decisions”
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Course Schedule
| Date | Venue | Fees (Face-to-Face) |
|---|---|---|
| 04 – 06 Mar 2025 | Dubai, UAE | USD 2495 per delegate |
Course Introduction
Credit and financial analysis is a core function in banking, investment, and corporate finance. Accurately evaluating an organization’s financial health and creditworthiness enables informed lending, investment, and strategic decisions. This course equips professionals with the tools to assess financial statements, interpret key ratios, and identify credit risks.
In this intensive 3-day program, participants will gain hands-on experience in analyzing financial performance, understanding industry risks, and applying structured credit evaluation frameworks. The course blends theory with practical case studies to build analytical competence and confidence.
Course Objectives
By the end of this course, participants will be able to:
• Analyze and interpret financial statements to assess company performance
• Calculate and evaluate key financial and credit ratios
• Assess liquidity, solvency, profitability, and operational efficiency
• Identify industry risks and borrower-specific risk factors
• Structure credit assessments and make informed lending decisions
Key Benefits of Attending
• To strengthen your ability to assess financial health and credit risk
• To enhance your analytical skills for lending, investment, or internal evaluation
• To learn how to interpret financial reports and identify red flags
• To develop your ability to recommend credit terms and mitigants
• To understand global best practices in credit analysis
Intended Audience
This program is designed for:
• Credit analysts and officers
• Bankers and relationship managers
• Financial analysts and investment professionals
• Corporate finance and treasury staff
• Anyone involved in financial due diligence or lending
Individual Benefits
Key competencies that will be developed include:
• Financial ratio analysis and interpretation
• Credit risk assessment and scoring techniques
• Understanding of industry and macroeconomic risk
• Ability to assess borrower quality and repayment capacity
• Skills in presenting credit evaluations and recommendations
Organization Benefits
Upon completing the training course, participants will demonstrate:
• Stronger credit decisions and risk management
• Improved financial evaluation of clients and partners
• Reduction in non-performing loans or risky investments
• Faster and more consistent credit assessment processes
• Alignment with regulatory expectations and lending policies
Instructional Methdology
The course follows a blended learning approach combining theory with practice:
• Strategy Briefings – Key concepts in credit and financial analysis frameworks
• Case Studies – Real-world company analysis and lending decisions
• Workshops – Financial ratio calculation and credit scoring exercises
• Peer Exchange – Discussion of industry trends and credit scenarios
• Tools – Financial analysis templates, risk checklists, and credit report formats
Course Outline
Detailed 3-Day Course Outline
Training Hours: 7:30 AM – 3:30 PM
Daily Format: 3–4 Learning Modules | Coffee breaks: 09:30 & 11:15 | Lunch Buffet: 01:00 – 02:00
Day 1: Foundations of Financial and Credit Analysis
Module 1: Understanding Financial Statements (07:30 – 09:30)
• Income statement, balance sheet, and cash flow statement
• Key relationships between financial reports
• Common distortions and limitations
Module 2: Financial Ratio Analysis (09:45 – 11:15)
• Liquidity, solvency, efficiency, and profitability ratios
• Benchmarking and trend analysis
• Case-based financial ratio calculation
Module 3: Cash Flow Analysis (11:30 – 01:00)
• Free cash flow and operating cash flow assessment
• Cash flow implications for creditworthiness
• Cash conversion cycle analysis
Module 4: Workshop – Company Financial Review (02:00 – 03:30)
• Hands-on: analyze financial data from real case
Day 2: Credit Risk Evaluation and Rating
Module 1: Components of Credit Risk (07:30 – 09:30)
• Understanding borrower risk, industry risk, and systemic risk
• Default risk, recovery rate, and loss given default
• Credit scoring models and internal risk rating systems
Module 2: Qualitative Analysis of the Borrower (09:45 – 11:15)
• Management, strategy, governance, and legal structure
• Market position and competitive landscape
• Business model and revenue sustainability
Module 3: Industry and Environmental Risk (11:30 – 01:00)
• Assessing sector-specific risks and macroeconomic exposure
• Country and regulatory risk impact
• Using external data and industry benchmarks
Module 4: Workshop – Credit Rating Simulation (02:00 – 03:30)
• Develop a credit assessment profile based on qualitative and quantitative inputs
Day 3: Structuring, Monitoring and Presenting Credit Decisions
Module 1: Credit Structuring and Mitigation (07:30 – 09:30)
• Structuring loan terms: tenor, covenants, security
• Identifying and managing risk factors
• Role of collateral, guarantees, and covenants
Module 2: Credit Report Writing and Presentation (09:45 – 11:15)
• Structuring a professional credit memorandum
• Key sections and analysis summaries
• Presenting credit decisions to committees
Module 3: Monitoring Credit Risk (11:30 – 01:00)
• Ongoing monitoring tools and warning signals
• Portfolio-level credit risk indicators
• Watch lists, early warning systems, and remedial action
Module 4: Final Case and Action Planning (02:00 – 03:30)
• Group presentation: credit recommendation and justification
• Action plan for applying course tools at the workplace
Certification
Participants will receive a Certificate of Completion in Credit & Financial Analysis, recognizing their capabilities in evaluating financial statements, assessing credit risk, and supporting informed lending and investment decisions.