Lending Applications Training Course

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Course Language

This course is delivered in German or English.

Course Code

lendapp

Duration Duration

21 hours (usually 3 days including breaks)

Requirements Requirements

Overview Overview

Audience

  • Corporate Lending Staff requiring an understanding of financial statements
  • All Managers requiring an awareness of the information contained within financial statements; how that information is presented; and how that information is interpreted
  • Corporate and Personal Lending Staff needing to analyse financial information provided to them – and arrive at reasoned decisions
  • Support staff responsible for gathering and interpreting information for the lending managers
  • Staff responsible for the management of bad and doubtful debts who need a working knowledge of the decision-making process which led to the lending being made

Format of the course

A combination of:

  • Facilitated Discussions
  • Slide Presentations
  • Case-Studies and
  • Examples

Course Outline Course Outline

Understanding Financial Statements

  • Balance Sheets:
    • How are they created?
    • What do the respective sections mean?
    • Where does the information come from?
  • Profit and Loss Accounts
    • How do they differ from Balance Sheets?
    • What information is included?
    • Where does that information come from?
  • Budgets and Cash-Flow Forecasts
    • Why are these so key in Lending Appraisal?
    • What do they tell a lending banker?
    • More-importantly what do they not tell a lending banker?

Analysing Financial Statements

  • Analysis of the trends and ratios in the financial statements covering:
    • Liquidity
    • Security
    • Profitability
    • Financial Management and Efficiency
  • What do these trends tell a lending banker?
  • …and as before, what do these trends not tell a lending banker?

Corporate Clients

  • Analysis of Corporate Client lending propositions
    • Building expertise using a detailed Corporate Lending case study
  • Understanding that different types of company require subtly different shades of lending evaluation
  • Managing and monitoring the lending
  • Security:
    • Is it necessary?
    • What company security can we take?
    • How do we take and perfect our security?

Small Business Clients

  • As for Corporate Clients (see above)

Personal Clients

  • Analysis of Personal Lending propositions – understanding the criteria against which lending decisions are made (and which will differ between clients)
    • Building expertise through a series of detailed Case Studies on Personal Lending propositions
  • CAMPARI as a mnemonic to ensure that all aspects of the lending decision are fully considered
  • Analysing personal information (in the absence of Balance Sheets, P&L accounts etc.)
  • Making the decision; structuring the lending; and getting repaid
  • Monitoring the lending portfolio – looking for early-warning signs
  • Security:
    • Is it necessary?
    • What personal security can we take?
    • How do we take and perfect the security?

Public Classroom Public Classroom
Participants from multiple organisations. Topics usually cannot be customised
From 2588EUR
(47)
Private Classroom Private Classroom
Participants are from one organisation only. No external participants are allowed. Usually customised to a specific group, course topics are agreed between the client and the trainer.
From 2588EUR
Request quote
Private Remote Private Remote
The instructor and the participants are in two different physical locations and communicate via the Internet
From 2650EUR
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SelfStudy SelfStudy
Self-study courses allow you to learn at your own pace on your own time. There is no live instructor involved. The participants use recorded video, quizzes and reading at their own convenience.
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The more delegates, the greater the savings per delegate. Table reflects price per delegate and is used for illustration purposes only, actual prices may differ.

Number of Delegates Public Classroom Private Classroom Private Remote
1 2588EUR 2588EUR 2650EUR
2 1694EUR 1669EUR 1700EUR
3 1396EUR 1363EUR 1383EUR
4 1247EUR 1210EUR 1225EUR
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Course Discounts

Upcoming Courses

VenueCourse DateCourse Price [Remote/Classroom]
Berlin Tue, 2016-07-12 08:001988EUR / 2588EUR
Frankfurt am MainTue, 2016-07-12 09:302650EUR / 3300EUR
MünchenWed, 2016-07-13 09:302650EUR / 3300EUR
HannoverTue, 2016-07-19 09:302650EUR / 3300EUR
HamburgWed, 2016-07-20 09:302650EUR / 3300EUR

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