Capstone Credit Analysis . . . .. . . . . . . . . . . . . . . . . . . . . . . 5 days
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A fast-paced one-week program for entry level commercial bankers, delivered towards the end of the formal training program; an ideal bridge between credit training and on-the-job assignments. Capstone consolidates skills and tools trainees have covered, takes those to a next level, and adds new and latest tools and insights. The course rigorously reinforces soundness and judgment, while challenging participants to find legitimate ways to meet customer needs. The course also emphasizes early warning signs and pro-activity when facing deterioration. Outcomes include enhanced skills in identifying, evaluating, mitigating and communicating risk, and in succinctly capturing the essence of the credit risk in five sentences or less. Participants strengthen skills in evaluating a borrower’s business strategy, in getting behind the numbers, in exercising “healthy skepticism,” in structuring credits, in recognizing early warning signs, and in applying the latest cash flow tools including debt capacity analysis, cash flow traps, and applying lessons learned in economic cycles. Participants leave the session with a solid sense of sound credit judgment.
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