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Credit Analysis Fundamentals

Credit Analysis Fundamentals

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  • Introduction to Accounting
Introduction to Accounting
Course Overview The goal of this course is to teach participants how to understand basic accounting concepts necessary to assess risk and determine credit implications. Upon successful completion of this class, participants should be able to understand most of the basic accounting policies that will impact a borrower’s financial statement. 

This class assumes participants would have not have completed a college level course prior to this training.    

Topics covered include:

  • Basics of accounting – using debts and credit 
  • Accounting cycle
  • Fundamental understanding of the Balance Sheet, Income Statement, Cash Flow and Statement of Shareholder’s Equity Financial Statements 
  • Difference between cash and accrual accounting
  • Audit Opinions
  • Accounting for sales, costs of goods sold and expenses resulting in the creation of the income statement.  
  • Revenue and expense recognition concepts
  • Accounting for receivables, inventory, fixed assets, accruals, and shareholders equity
Target Audience Entry level credit analyst, underwriter, or relationship manager
Duration 3 days
  • Introduction to Credit Risk (part 1)
Introduction to Credit Risk (part 1)
Course Overview This training focuses on how to manage elements of credit risk, covering the basics of:

  • Business risk analysis and financial statement quality
  • Income statement and balance sheet analysis
  • Working capital and liquidity adequacy
  • Cash flow analysis
Target Audience Entry level credit analyst, underwriter, or relationship manager
Duration 2 ½ days
  • Introduction to Credit Risk (part 2)
Introduction to Credit Risk (part 2)
Course Overview This training continues with how to manage elements of credit risk, covering the basics of:

  • General principles of credit risk and loan structuring
  • Seasonal, medium and long-term loan types and structure
  • Collateral evaluation, guarantor evaluation, covenant creation
  • Overarching risk mitigation architecture
Target Audience Entry level credit analyst, underwriter, or relationship manager
Duration 2 ½ days

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Paragon Hill

Paragon Hill. specializes in the development, design and instruction of training programs for lending professionals at domestic and international banks.