public courses

We provide multiple training offerings for the capacity development needs across all levels.

New Credit Risk, SME Lending and Business Development

 
FEE: ₦295,000.00
LEVEL: C-SUITE
INSTRUCTOR: DENNIS COX

New Credit Risk, SME Lending and Business Development

Apr 3 – 5 2023
(Lagos/Abuja Time Zones)

Experience the highly-interactive expert-led social learning through Virtual Classroom via Cisco WebEx from Risktech & Advisory Limited.

All our 2023 Live, onsite and Virtual Classroom events feature shared (or discrete) live chat between delegates and the expert, participate in topical surveys, polling questions, group exercises and case studies for a tried -and- true engaging and gratifying learning experience.

Need to bring this course in house for your team, only 1:1 or face-to-face? Simply contact us for significant cost savings and dates to best suit your needs.

Session 1: The Credit Sanctioning Process

Session 2: Understanding the SME Business Model

Session 3: Financial Evaluation of the Business Plan

Session 4: Ratio Analysis

Session 5: Non Financial Analysis of the Business Plan

Session 6: The Lending Manager’s Toolbox

What makes good lending decision? Business fail because the run of cash but typically they succeed based on their differences. Financial analysis is important but where is the real value in the business? History is important but what is current context and how is the management investing to solve problems and to seize opportunities? Non financial analysis helps managers to visualise where the value is in a particular business and how this value is to be nurtured and sustained. How efficiently does this business manage risks and to deliver what they promise?

Methodology & Training Materials

  • Highly interactive expert-led discussions, worked examples and  case studies from local, regional and international best practise
  • Content-rich PowerPoint slides for desk reference
  • Individual and group Exercises
  • Supporting Materials, articles and website references

Knowledge Pre-requisites

This course assumes an understanding of banking lending, including a basic understanding of financial and non- financial analysis.

SME relationship Managers, Lending Managers, Business Development Managers, Credit Risk managers, Key support staff and other s with an interest in Lending and Credit Risk.

Delegates who complete the course will received a Certificate in Credit Risk, SME Lending and Business Development; should your employer require demonstration of competency via an exam this can be arranged at no additional cost.

The Credit Sanctioning Process

• The need for money & Investment Readiness
• The lending process
• Risk and Risk management
• Cash and cash management
• Probable risk of default
• Probable loss on default
• Helping the SME to succeed

Understanding the SME Business Model

• Resources and capabilities
• Sources of competitive advantage
• Value chain analysis
• Economy, Objectives, Strategy, Tactics – Most
• Adding value
• The option to sell

Financial Evaluation of the Business Plan

• Importance of financial Statements
• Balance Sheets
• Profit and Loss Accounts
• Cash flow Forecasts-Assumptions and Sensitivities
• Off balance Sheet Assets
• Risk and Mitigates
• Project Appraisal – NPV, Paybank

Ratio Analysis

• Importance of Financial Analysis
• Trend Analysis
• Key Performance Indicators
• Financial Strength
• Liquidity
• Serviceability
• Working Capital Management & Asset Performance

Non Financial Analysis of the Business Plan

• The need for both Financial and non-financial analysis
• Real Business issues for SME’s
• Value Stream for SME’s
• Identification of critical success Factors
• Identification of Key Performance Indicators
• Credibility of Business Plans
• Credibility of Management

The Lending Manager’s Toolbox

• SWOT
• STEEPL
• Boston Matrix
• Porters 5 Forces
• SMART
• Best Practise – Debt
• Intangibility  – Equity

Delegates will gain specialist technical and behavioural knowledge and practical applications ready to implement immediately  in the workplace, specifically

• To enable attendees to appreciate the value of planning to any business, what to look for when assessing a business plan and the type of factors which to enhance the creditability of plans and forecasts

• The use of financial analysis to consider the general credit worthiness from analysis of historic evident over time

• The use of non-financial analysis to consider the future prospects from an appraisal of the resources and capabilities of a business and the identification of factors which will be critical to success.

All delegates who complete the course will receive a Certificate in Credit Risk, SME Lending and Business, and  Development, and for those who require a demonstration of competency via an assessment, a 20 multiple choice questions, with remote invigilation and results report, plus 1 resit, is included at no additional price.

Highly interactive expert-led intensive presentation, Q&A, group real-time in-depth case studies, regulation and discussion supported by key principles and theory. The virtual learning platform uses safe, industry preferred encrypted Cisco WebEx to optimize live face-to-face visual interaction, discrete chat, for polling and quizzes.

(An invitation via email with access link is included for all participants.)

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