Corporate Credit Analysis
- Finance & Investment
This module is conducted in-person.
3 days
Weekdays (9am - 5pm)
Who Should Attend
- New hires and management associates in banking
- Professionals in banking and corporate responsible for extending credit to borrowers
- Sales, relationship managers, product specialists and those in support functions, looking to deepen understanding of corporate lending and credit risk
Overview
This workshop aims to provide a structured approach to develop core competencies in credit risk evaluation for corporate clients. Participants will learn basic accounting concepts and their impact on financials, and the credit evaluation framework. Participants will work on cases to gain hands-on experience in financial analysis and construction of financial forecasts to determine loan servicing capability. Participants are taught to recognise triggers to potential default and set up early warning systems to ensure loan repayment.
Learning Objectives
- Learn the general principles of corporate lending
- Understand the credit evaluation framework and process
- Determine the key lending risks
- Assess credit worthiness of a potential borrower
- Predict corporate distress at an early stage
- Mitigate risks with appropriate covenants, collateral and credit support
- Identify key components in the loan agreement to protect the lender
- Appreciate the relationship between risk-based pricing and facility structuring
Topic/Structure
Overview on Lending Process
- Principles of good lending
- Essential components of a credit proposal
Credit Evaluation Framework
- Components of credit risks
- Quantification of credit risks
- Qualitative factors (External factors, Borrower’s risks, Borrowing entity)
Understanding Financial Statements
- Key accounting concepts
- Core financial statements
Financial Analysis & Drivers
- Profitability analysis
- Cash flow analysis
- Debt service analysis
- Liquidity & leverage analysis
- Funding structures
- Financial projections
Credit Rating
- Internal vs. external rating
- Categories of credit risk models
Loan Monitoring & Management
- Loan classification
- Customer review
- Early warning signs
Assessment
As part of the requirement for SkillsFuture Singapore, there will be an assessment conducted at the end of the course. The mode of assessment, which is up to the trainer’s discretion, may be an online quiz, a presentation or based on classroom exercises.
Participants are required to attain a minimum of 75% attendance and pass the associated assessment in order to receive a digital Certificate of Completion issued by Singapore Management University.
Calculate Programme Fee
Fee Table
| COMPANY-SPONSORED | |||
|
PARTICIPANT PROFILE |
SELF-SPONSORED |
SME |
NON-SME |
|
Singapore Citizen < 40 years old Permanent Resident LTVP+
|
$784.80 (After SSG Funding 70%) |
$304.80 (After SSG Funding 70% |
$784.80 (After SSG Funding 70%) |
|
Singapore Citizen ≥ 40 years old |
$304.80 (After SSG Funding 70% |
$304.80 (After SSG Funding 70% |
$304.80 (After SSG Funding 70% |
|
International Participant |
$2,616 (No Funding) |
$2,616 (No Funding) |
$2,616 (No Funding) |
All prices include 9% GST
Post Secondary Education Account (PSEA)
PSEA can be utilised for subsidised programmes eligible for SkillsFuture Credit support. Click here to find out more.
Self Sponsored
- SkillsFuture Credit
-
Singapore Citizens aged 25 and above may use their SkillsFuture Credits to pay for the course fees. The credits may be used on top of existing course fee funding.
This is only applicable to self-sponsored participants. Application to utilise SkillsFuture Credits can be submitted when making payment for the course via the SMU Academy TMS Portal, and can only be made within 60 days of course start date.
Please click here for more information on the SkillsFuture Credit. For help in submitting an SFC claim, you may wish to refer to our step-by-step guide on claiming SkillsFuture Credits (Individual). - Workfare Skills Support Scheme
-
From 1 July 2023, the Workfare Skills Support (WSS) scheme has been enhanced. Please click here for more details.
Company Sponsored
Enhanced Training Support for SMEs (ETSS)
- Organisation must be registered or incorporated in Singapore
- Employment size of not more than 200 or with annual sales turnover of not more than $100 million
- Trainees must be hired in accordance with the Employment Act and fully sponsored by their employers for the course
- Trainees must be Singapore Citizens or Singapore Permanent Residents
- Trainees must not be a full-time national serviceman
- Trainees will be able to enjoy ETSS funding only if the company's SME's status has been approved. To verify your SME's status, please click here.
Please click here for more information on ETSS.
Absentee Payroll
Companies who sponsor their employees for the course may apply for Absentee Payroll here. For more information, please refer to:
AP Guide (Non-SME Companies)
Declaration Guide (SME Companies)
Intake Information
This module is conducted in-person.
| Course | Dates |
|---|---|
| INTAKE 16 | 24 - 26 Mar 2025 [Open for Registration] |
*Online registration will close 5 calendar days before the course start date
