May 11-14,2020 -Abuja
November 9-12,2020 -Lagos
The ultimate objective of this course is to develop participants’ SME credit analytic skills. Using a structured and systematic approach, participants will learn to evaluate the credit standing of a SMEs
The course will demonstrate how to combine a qualitative assessment of the company and its management with a quantitative analysis of its performance. Simple and effective forecasting tools are used to assess and anticipate the performance of the SMEs.
Case studies are integral parts of the course, allowing participants to apply the concepts acquired during the course to real-life scenarios.
- Specifically participants will be equipped to assess the credit worthiness of SME borrowers using a 4-step approach:
-Purpose, payback, risks and structure.
- Evaluate the commercial viability and sustainability of the business model and management’s ability to deliver to plan.
- Use a forecasting model to anticipate a company’s future performance, sensitize and critique assumptions, and interpret their impact on credit outlook and ability to service its debt as it comes due.
- Identify signs of credit deterioration, evaluate their potential impact and consider alternative courses of action.
- Understand the key funding sources available to SMEs and their impact on credit worthiness.
- Build robust monitoring, KPI and covenant packages to meet the commercial needs of the company and provide protection to the lender.