The goal of this program is to create a credit analyst with diagnostic skills that can be used in private international banks or corporate credit departments. Analysts will learn to use clear analytical strategies that will enable them to assess the degree of risk before approving or rejecting a specific credit application. The other objective of this program is to enhance the documentation of loan files (or transfer the concept of credit documentation) that will reduce losses and the view of this process will be positive.
Target groups :-
- Credit managers and associates
- Credit Analysts
- Credit officers
- Credit Review Officers
- Risk analysts and their associates
- Branch managers
The objectives of the certificate :-
- A detailed analysis of cash flows by calculating the sources and uses of funds from one accounting period to another
- Prepare financial forecasts based on assumptions made by the borrower and then test these assumptions by using sensitivity analysis
- Identify factors that may affect the ability to repay debt obligations and document the results in the written credit analysis note
- Understand how to classify a loan or create a credit rating
- Exploring the implications of global credit risk repricing
Advantages of success :-
- Successful completion of this course makes you a CCA certified credit analyst
- You can use the CCA label on your business card and your CV
- Access to GAFM
- It is preferable to access education centers in the USA, UK, Europe, Asia, the Middle East and Latin America
- Access to GAFM online magazine
Why this certificate?
Credit professionals now need to create strong risk management frameworks, and they have a clear systematic understanding of the organizations’ credit profile and the need to create robust financial modelling systems to understand how macroeconomic and micro factors affect these trends.
Understanding and maintaining a loan portfolio is an essential tool to survive today’s volatile financial business environment. Successful companies that rely on effective credit management as well as large institutional lending institutions have established strong systems to provide a strong element of credit analysis tools before and after planning.
These tools enable institutional credit professionals to ensure the effective day-to-day management of their clients and debts and also contribute to the issuance of a sound financial statement.
Unit 1 :-
- The role of a credit analyst and a credit officer
- The role of a credit analyst
- Stakeholders and their priorities
- Credit Analyzer Network and Resources
- How to develop a credit guide
- Credit analysis procedures.
- Credit analysis process
Unit 2 :-
- Analysis of financial statements
- Percentage and direction of analysis
- Analysis of the company’s performance
- Development of the credit booklet
- Solvency rates
- Cash flow analysis
- Debt service coverage – how can you properly calculate various circumstances such as real estate holdings, overcompensation of owner and timing issues
- Adequacy of working capital, liquidity, leverage and control
Unit 3 :-
- Structuring credit to reduce risk
- Appropriate regulatory recommendations for credit
- Side coverage analysis
- Guarantor Analysis
- Non-performing loans/non-performing debt
- Evaluating investment opportunities in heavy debt companies
- Review of restructuring opportunities
Unit 4 :-
- Financial outlook and analysis
- Developing the loan portfolio
- Asset Management
- Loan financing techniques
- The impact of the balance sheet
- Marketing opportunities to develop the loan portfolio
- Business and Industry Analysis
- Create a loan portfolio and conduct a risk assessment
- Advanced analytical techniques
- Analysis of parity and business building for return on investment
- Customer profitability and retail
- M&A
Exam :-
Nature Test: Multiple-choice questions
Test duration: 2 hours
Success score: 70