Training: «MSME Lending Technology and Fundamentals of MSME Financial Analysis (Advanced Level)»

Target audience:

· experienced bank executives and managers engaged in credit analysis, attraction of new clients, monitoring and delinquency management

Our training: how do you benefit from it?

· You will obtain a systemic picture of borrowers’ financial analysis, of the structure of assets and liabilities and operation cycles as well as to train LOs in the analysis of cash flows in order to ensure loan repayment

· You will learn the methods for checking the quality of information presented in financial statements

· You will be introduced to the methods of assessing businesses and companies of clients and making conclusions about their sustainability and development prospects based on their financial records

· You will be trained to analyze the impact of key economic factors on creditworthiness of customers (groups of customers)

· You will be introduced to different types of loans and ways to combine them

· Learn how to ​​use various options for structuring the loan as a tool to reduce the risks associated with specifics of a particular borrower

· practice in financial analysis in the form of a working discussion

Content:

Day 1 (8 hours)

· Introduction into the subject and objectives of training session

· Main financial documents and ratios used in credit analysis

· Financial documents and assessment of the quality of information presented in financial statements

Practical Part

Discussion of principles and approaches to development of a performance benchmark system to monitor the borrower’s financial situation

· Business analysis and company assessment

· Assessment of economic sectors and development of criteria for assessing repayment capacity in different sectors

· Various types of loans and their combinations

Practical Part

· Discussion of different combinations of types of loans identifying the most suitable solution for specific clients/ groups of clients

· Various loan structures

Additional Practical Module (4 hours)

· Practical tasks in financial analysis (analysis of business)

· Case study on repayment capacity criteria development

· Discussing and analyzing practical examples

Module Objective

· Reinforcement of the knowledge and gaining practical skills in financial analysis through exercises

Additional description:

· Duration of the training is 1 day (8 hours), the contents of the training is adjusted to specific client’s needs.

The training is carried out in an interactive way and is supported by case studies, role plays and problem solving. Participants are provided with training materials.