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Entry-Level Bootcamps

These comprehensive bootcamps have proven to be a cost-effective alternative to a bank’s in–house credit training program and can be customized based on the bank’s needs.

Entry-Level Bootcamps

These comprehensive bootcamps have proven to be a cost-effective alternative to a bank’s in–house credit training program and can be customized based on the bank’s needs.

CONTACT INFO

info@paragon-hill.com
  • Accounting for Bankers
Accounting for Bankers
Course Overview This program focuses on intermediate accounting issues that are pertinent to a lender and various accounting policies that could impact interpretation of a firm’s financial position.  Topics covered:

  • Impact of specific business activities on financial statements
  • In-depth understanding of the Balance Sheet, Income Statement, Cash Flow and Statement of Shareholder’s Equity Financial Statements 
  • Accounting cycle
  • Difference between cash and accrual accounting
  • Audit Opinions
  • Similarities and differences between International Financial Reporting Standards and U.S. GAAP 
  • Review of footnotes; understanding and making use of financial statement disclosures
  • Income statement presentation of income and expenses; reporting of extraordinary items and asset dispositions
  • Revenue recognition principles
  • Inventory methods; impact on cash flow and net income
  • Property plant and equipment and intangible assets; depreciation and amortization methods
  • Stock transactions, dividends and retained earnings
  • Purchase accounting; the impact of business combinations
  • Equity method of accounting for investments and joint ventures
  • Accounting for operating and capital leases
  • Deferred taxes, reconciliation between book and tax 
  • Relevant reporting for international transactions and operations

A final course exam is included with this training.
Target Audience Entry or junior-level credit analyst involved in commercial lending.  It is preferred participants have completed an introductory college level accounting class.  Program is limited to 25 participants.
Duration 5 days; Classes will typically run from 8:30am to 5:00pm
  • Evaluating Credit Risk – Commercial Banking
Evaluating Credit Risk – Commercial Banking
Course Overview This comprehensive entry level credit analyst training program teaches participants how to efficiently analyze a credit and concisely communicate the risks associated with underwriting a credit transaction.  The program includes a combination of pre-work, lectures, group case exercises reflecting actual lending situations (corporate, middle market, or community banking), after-class assignments, and a final capstone case study.   

After-class assignments are evaluated by the instructor with written feedback provided to each participant.  With these exercises, participants are able to gauge their understanding and practice application of analytic concepts.  Through this process, the instructor can assess which participants may require additional attention.  

Completion of a final case study is required.  Each participant will analyze a complex lending scenario and write an analysis using the bank’s credit format or Paragon Hill’s recommended format.  The instructor will review the final case study exercise with a detailed evaluation forwarded to the participants and their supervisors.

After completing this program, participants should be able:

  • Apply a standardized credit analysis framework
  • Determine the success characteristics of an industry
  • Evaluate the potential for success of a company’s strategy
  • Establish if management has the capabilities to develop and implement appropriate strategies
  • Evaluate historic operating performance and financial position of a borrower
  • Construct various cash flow statements, including bank’s preferred approach
  • Analyze and forecast cash flow to determine capacity to repay debt
  • Identify primary and secondary sources of repayment
  • Structure a loan to include loan covenants that will preserve the value of repayment sources
  • Recognize early warning signs of a problem loan
  • Communicate results consistent with the bank’s expectations
Target Audience Entry or junior-level credit analyst involved in commercial lending.  It is preferred participants have at least three months of on-the-job experience in the sponsoring bank and completed a college level accounting class.  Program is limited to 25 participants.
Duration 14 days; Classes will typically run from 8:30am to 5:00pm, plus after-class assignments.
  • Evaluating Credit Risk – Private Banking
Evaluating Credit Risk – Private Banking
Course Overview This comprehensive entry level credit analyst training program teaches participants how to determine the cash flow of individuals, assess risk related to assets, income, and net worth, and make sound lending decisions.  The program includes a combination of pre-work, lectures, group case exercises reflecting actual lending situations, after-class assignments, and a final capstone case study.   

After-class assignments are evaluated by the instructor with written feedback provided to each participant.  With these exercises, participants are able to gauge their understanding and practice application of analytic concepts.  Through this process, the instructor can assess which participants may require additional attention.  

Completion of a final case study is required.  Each participant will analyze a complex lending scenario and write an analysis using the bank’s credit format or Paragon Hill’s recommended format.  The instructor will review the final case study exercise with a detailed evaluation forwarded to the participants and their supervisors.

After completing this training, participants should be able to:

  • Identify the interrelationships of a borrower’s various financial activities as presented on a personal financial statement and on a personal tax return
  • Evaluate the resources available to service debt from analysis of the individual and business financial statements – calculate global cash flow
  • Evaluate real estate investments, including owner-occupied and commercial real estate investments
  • Describe issues related to lending to partnerships and law firms
  • Evaluate various trusts and identify associated lending risks
  • Identify the primary source of repayment as well as the secondary source of repayment when making loans to high-net worth individuals
  • Identify key credit risks to consider when making a loan to high-net worth individual
  • Underwrite complex personal loans and present in credit recommendation format
Target Audience Entry or junior-level credit analyst involved in private banking.  It is preferred participants have at least three months of on-the-job experience in the sponsoring bank and completed a college level accounting class.  The program is limited to 25 participants.
Duration 14 days; Classes will typically run from 8:30am to 5:00pm, plus after-class assignments.

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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.