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Foundations for credit analysis: understanding and analysing financial statements

Category: MASTER COURSE

The market standard introductory course which will teach you how to write and support a basic corporate credit review. No prior knowledge of credit analysis is assumed.

Who should attend?
This course will be of benefit to those who have little experience of accounting or financial analysis, or the principles of successful lending. It is particularly appropriate for those starting or about to start in a credit analysis role in a bank, or any role requiring corporate financial analysis.

What you will gain
You will be able to write and support a basic corporate credit review.

After attending this Level one course, we recommend that you leave an interval of at least 3 months before attending Advanced credit analysis: corporate risks, cash flow and projections. This will give you valuable time to put into practice all the skills you learned at Level one.

Programme outline
Introduction to credit analysis

  • Risk assessment
  • Principles of good lending
  • Content of the annual report and accounts
  • Analysis of non-financial information

Basic accounting concepts

  • Fundamental accounting principles and concepts
  • Understanding the concept of dual effect
  • Construction of a balance sheet
  • A review of the items on the balance sheet and their accounting treatment, e.g. tangible fixed assets and depreciation, intangible assets and amortisation, investments, provisions, finance and operating leases, ordinary and preference share capital and treasury shares

A review of the income statement

Financial analysis

Spreading the accounts

Ratio analysis - an examination of the company's profitability, liquidity, financial risk and efficiency

The business cycle and how it is financed

Cash flow analysis

  • Sources and uses of cash for a business
  • Constructing a cash flow statement
  • Interpreting a cash flow statement
  • Cash flow ratios and how to interpret them
  • Understanding free cash flow and debt capacity
  • Cash budgets and their uses

The banking environment

  • General principles of security
  • Review of assets commonly offered as collateral
  • Fixed and floating charges
  • Guarantees, indemnities and letters of comfort
  • Credit products and their uses
  • Credit review formats

The course starts at 9.00am on each day. Lunch and refreshments are included, but not accommodation.
30 CPD hours (where applicable).

CIMA work in partnership with BPP Professional Education to offer CPD training courses



Related Events

02/12/2019 09:00:00

Advanced credit analysis: corporate risks, cash flow and projections

MASTER COURSE

  • Cost:
    GBP 3,140.00
    Member price: £2,826. Plus VAT on all prices. Excluding accommodation.
  • Location:
    London - five day course
  • Speaker(s):

Take your knowledge to the next stage and develop your analytics skills. This intermediate level five day course develops a more detailed understanding of the components of the financial statements and the operating dynamics of companies.

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Foundations for credit analysis: understanding and analysing financial statements

CIMA members and students should log in to MY CIMA before booking to receive the appropriate discount.

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In-house training 
We can develop tailored training programmes to enhance the finance and business skills of staff across your organisation. To discuss how we can meet your learning and development needs please email us.

Find out more 
If you have any queries please email cima@bpp.com or phone us on: +44 (0)3300 603400.

The venue for this course will be confirmed 14 days before the scheduled date. 

CIMA work in partnership with BPP Professional Education to offer CPD training courses.  

This course will be delivered by BPP Professional Education Limited (“BPP”).  Accordingly, when you sign up for this course, CIMA will pass on the contact details you have provided to BPP so that they can contact you to complete your booking and process payment.  BPP will process any personal information it collects about you in accordance with its privacy policy, which is available at: http://www.bpp.com/professional-education/privacy

The information provided to BPP will not be used by BPP for marketing purposes.

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