Tools of Credit Analysis Egyptian Banking Institute

Course Description:

In this course, participants will learn how to spread financial statements, analyze the asset conversion cycle, describe asset-based lending, develop cash flow projections and historical cash flow statements, and explain the key components of loan agreements.

Course Objectives:

  • Identify the different financial statements.
  • Explain the asset conversion cycle.
  • Describe asset-based lending.
  • Determine historical and future cash flows.
  • Describe the terms, conditions and collateral requirements in the loan agreement.

Course Outline:Module 1: Financial Statements

  • Types of financial statements
  • Spreading financial statements
  • Balance sheet and income statement analysis

Module 2: The Asset Conversion Cycle

  • Lending basics
  • Evaluate the company›s ability to complete the asset conversion cycle • Risks encountered during the asset conversion cycle
  • How to derive the asset conversion cycle from the financial statements • Case study

Module 3: Asset-based Lending

  • The concept of asset-based lending
  • Asset-based lending
  • When to engage in asset-based lending
  • The difference between cash flow lending and asset-based lending • Examples
  • Case study

Module 4: Cash Flow

  • Cash flow projections
  • Cash flow assumptions
  • Projected cash flow
  • Cash flow and the lending decision

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