Course description
Credit in any financial institution is a critical aspect of success. Creating credit approval documents that give a rich overall credit scenario and the level of risk exposure to an institution is one of the essential skills needed in the financial industry. Most institutions are recognising the need to have a credit reasoning and writing professional who will fill the gap in the qualification of their staff. Credit professionals find it difficult to handle the job of credit reasoning and writing as it is overwhelming and involves lengthy credit approval documentation that is possibly 50 pages and contains huge volumes of data. There is a need for specialised professionals who can handle credit approval documentation in expert ways using modern tools and techniques.
What are credit reasoning and writing?
Credit reasoning and writing refers to evaluating and documenting a borrower’s creditworthiness to make informed lending decisions. This involves collecting and analysing financial and non-financial information about a borrower, including their credit history, financial statements, and other relevant information, to determine their ability to repay a loan.
Upcoming start dates
Suitability - Who should attend?
Who should attend?
The Credit Reasoning and Writing Course by Rcademy is ideal for the following professionals:
- Credit analyst
- Credit personnel that wants to sharpen their credit reasoning and writing skills
- Risk manager
- Relationship managers
- Credit analysis hiring manager to understand the requirements
- Senior bank managers
Outcome / Qualification etc.
The Credit Reasoning and Writing Course by Rcademy have the aim to enable participants to:
- Understand how to write credit approval-reject documents
- Discover various ways toanalyse credit riskexposure
- Learn how to communicate effectively without bias
- Learn how to describe key facility risks and understand how they can be mitigated
- Understand how to practically use the knowledge learnt in giving senior managers advice
- Select information for inclusion in credit approval documents that will be relevant and informative to the decision-maker and enable them to focus on key risks
- Communicate consistently and completely while focusing on the cash flow
- Produce high-quality executive summaries to communicate the key issues to their managers to make better decisions
- Understand the fundamental building blocks of credit reasoning and writing
- Understand how to formulate various tools and methods to use in credit scenario analysis
Training Course Content
Module 1: Business Risks Summarisation Methods
- Qualitative methods in understanding business risks
- Various business analysis techniques and how they are part of the official credit application document
- Methods used in credit reasoning
- Modern ways of analysing credit risks
- Structuring the analysis and preparing a proper report
- Case study
Module 2: The Required Qualities of a Good Credit Approval Article
- Passive and active methods of writing
- How to avoid using ambiguous and vague concepts in your paper
- The critical advantages of simple and effective sentence structures
- Using information to your advantage
- The four golden rules and the 5C’s of a credit approval-reject document
- The main purpose of using figures, tables, graphs, and numbers
Module 3: Transactions and Structure Risks Summarisation
- Mitigating the risk by using a loan structure
- Debrief of the case study given for the evening work
- Transaction that may be carrying specific risks
- Understanding the importance of structural risk documentation
- The main types of subordination
- Borrowing causes and loan structure
- Case study
Module 4: The Qualities a Good Credit Approval-Reject Should Have
- A good writing style
- The work of visual effects
- Using the actual voice of the borrower
- Using practical work aides
- Understanding tool book
- Avoiding unnecessary information
- Writing techniques that will improve the quality
Module 5: The Recommendation
- The main “rules”
- How to write a great executive summary
- Writing a compelling recommendation
- Linking recommendation to good credit qualities
- Using an unstructured approach to cover three components of credit risk-business risk
- Understanding how to deal with risks
- Case study and practical example
Module 6: Executive Summary
- Analysing your competition
- Giving a better financial overview
- Understanding how to describe your target market
- Funding needed
- Describing your approval or cause of the problem
- Evidence coverage
- Financial stability description
- Creating an exit strategy
- Avoiding the cliché
Module 7: Financial Risks Summarisation
- Writing opinions and judgment and how to effectively support facts
- Key drivers of cash flow and how to capture them effectively
- Avoiding the elevator analysis
- The four pillars of good credit writing and financial analysis
- Understanding financial ratios deeply
- Financial ratios exercise
- Case study
Module 8: Putting It All Together
- Grasping the summarisation skills
- The main objectives and scope of a good credit submission
- The credit facility
- Content of credit submission
- The concluding skills
- The credit submission summary
Request info
Rcademy
Rcademy is a global training and consultation organisation set out to bridge the gap between you now and what you can be in the near future. We are facilitators of knowledge impartation. Our team of established and experienced training enthusiasts...