Credit Risk Training For Financial Institutions | Herter Associates | Entry-Level Credit Risk Training Program for Financial Analysts

KEY TOPICS:
▪ Management & Strategy Analysis
▪ Operating Ratio Analysis
▪ EBITDA
▪ Liquidity
▪ Asset Efficiency
▪ Net Working Capital
▪ Financial Leverage
▪ Debt Capacity
▪ Operating, Investing & Financing Cash
Flows
▪ Debt Service Coverage
▪ Borrowing Causes
▪ Repayment Sources
▪ Loan Types & Structures
▪ Asset Based and Cash Flow Lending
▪ Collateral Issues
▪ Covenant Design
▪ Capital Structure Issues
▪ ROA & ROE
▪ Free Cash Flow
▪ WACC
▪ Enterprise Value

The Credit Risk Training Program (CRTP) is a 4-week program that teaches entry-level bankers how to analyze and understand credit risk, interpret historical financial performance, build financial projections & valuations and write effective credit approval documents using the sponsoring bank’s format.

The program consists of 7 modules which can be customized to conform to the sponsoring bank’s underwriting criteria. Case studies are carried throughout all the training modules to build a realistic and comprehensive understanding of credit risk and the underwriting process.

Module 1 Financial Accounting (5 days)

Module 2 Business, Industry, Management & Strategy
Analysis (2 days)

Module 3 Financial Analysis Fundamentals (3 days)

Module 4 Cash Flow Analysis (2 days)

Module 5 Loan and Transaction Structuring (3 days)

Module 6 Financial Modeling and Projections (3 days)

Module 7 Effective Underwriting (2 days)

While designed as a consecutive 4-week program, CRTP modules can be purchased individually.