Corporate Credit Analysis

Finance & Investment

Next Intake: 24 Mar 2025 (Mon)

Basic
SkillsFuture
Short Courses

This module is conducted in-person.

Next course starts on

24 Mar 2025 (Mon) See Full Schedule

Fee

SGD2,616* (as low as SGD304.80 after maximum funding) Learn More

Duration

3 days
Weekdays (9am - 5pm)

Level

Basic

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

Can Clients Pay?

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%
+ ETSS Funding 20%)

$784.80

(After SSG Funding 70%)

Singapore Citizen ≥ 40 years old

$304.80

(After SSG Funding 70%
+ MCES Funding 20%)

$304.80

(After SSG Funding 70%
+ ETSS Funding 20%)

$304.80

(After SSG Funding 70%
+ MCES Funding 20%)

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