Corporate Credit Analysis
- Finance & Investment
This module is conducted in-person.
3 Full Days (Weekdays)
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
Gain the skills and confidence to assess corporate creditworthiness effectively. This comprehensive workshop offers a structured approach to developing core competencies in credit risk evaluation by examining various qualitative and financial aspects.
The program will be taught with relevant, real-life scenarios.
Learning Objectives
- Understand credit evaluation, risk assessment, and borrower analysis.
- Interpret financial statements for creditworthiness and early distress signals.
- Mitigate risk through covenants, collateral, and credit support.
- Identify key loan agreement components for lender protection.
- Appreciate the relationship between risk-based pricing and facility structuring.
- Apply internal credit rating policies for customer classification
Topic/Structure
Overview of Risks Faced by Commercial Banks
Categories / Components of Credit Risks
- Categories / Components of Credit Risks
- Expected Loss and Drivers of Credit Risks
- Relationship between Capital and Credit Losses
Credit Risk Policies, Process and System
- Credit Policies
- Credit Process & Systems
Credit Documentation Requirements and Validation Approaches
- Credit Documentation at Various Stages of The Lending Process
Credit Evaluation Overview
- Lending Process Overview
- Credit Evaluation Process and Framework
- Key Components When Structuring a Credit Proposal
Credit Risk Analysis – Qualitative factors
- Objective of Credit Analysis
- Principles of Good Lending
- Analysing the Credit Risks
- Purpose of Loan
- Business Analysis
- External Impact Analysis
- Management
- Financial Statement Analysis
- Purpose of Loan
Credit Risk Analysis – Financial Statement Analysis
- Auditor’s Report
- Financial Performance Analysis
- Financial Health Analysis
- Cashflow Statement Analysis
Credit and Lending Regulations
- Companies Act
- Banking Act
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
Please note that the programme fees are subject to change without prior notice.
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 are eligible for ETSS funding only if their company's SME status is approved prior to the course commencement date. 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)
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