Fundamentals of Credit Analysis and its Role in Granting Credit Institute of Banking Studies

Objectives :

  • Provide participants with the theoretical and practical dimensions (technical) of the credit analysis and its role in the rationalization of the lending process in banks.

Contents :

  • the concept of bank credit and upbringing.
  • Staff of the process of credit analysis: the borrower itself, the nature of the borrower, collateral, cash flow analysis revealed.
  • elements of the credit rating of the borrower: the reputation and experience of the client, the client's ability to pay, the study of the financial position of the client, the study of the general conditions for the client, assess loan risk for the customer.
  • stages credit analysis: the definition of credit analysis, steps the granting of credit.
  • sources of credit information: direct sources, indirect sources, the query from the central bank.
  • the general framework for the analysis of credit.
  • Analysis of financial statements of the client using financial ratios.
  • credit risk analysis.
  • analysis of debt ratios and coverage ratios, and liquidity ratios.
  • a different process for multiple range of financial sectors for various applications lists.

The Central Bank of Jordan began in 1965 to study the necessary means of setting up a team for theoretical and practical training aimed at promoting human cadres of the banking and financial sector and study its employees needs and satisfy their desires to advance their scientific and practical abilities . These efforts culminated in the creation of the Institute of Banking Studies in accordance with Article (37) Paragraph (d) of the Central Bank of Jordan Law and in accordance with the Institute,s Articles of Association No. (69) issued on 1970. The Institute   was   officially   inaugurated on   October 9, 1971 and was housed then at the Central Bank,s premises.

In the early 1990,s , the  Institute  witnessed a new stage ; the construction of the Institute,s permanent   headquarter   in  Tla,a  Al  Ali ,  a suburb of the capital  Amman . The complex was constructed on an eight dunums plot of land and comprised of administration units, academic and training activities halls, library, laboratories, cafeteria, health clinic and a multipurpose hall. Also , the Institute has two branches, one in Irbid and the other in Aqaba.  The purpose of  these  branches is to widen the distribution of academic and training activities conducted  by the Institute to cover the various regions of the Kingdom.

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