GBRW is proud to have delivered another successful SME Credit Analysis and Assessment course for the Egyptian Banking Institute. Developed and deliver by Nate Dickerson, Director, Credit Risk Management, GBRW has regularly delivered this course for the EBI since 2016.
This intensive three-day course is designed to provide lending and credit risk management professionals from a Egyptian banks with a thorough understanding of the essential principles of commercial and SME credit analysis. Tailored to address the needs and demands of lenders operating in emerging and fast-growing markets (that must cope with additional challenges stemming from a rapidly changing business and information environment) the course provided the delegates with a comprehensive understanding of the credit process, including gathering relevant information from customers, evaluating loan requests, assessing a company’s ability to service debt, and structuring loans.
The course included a pre-course training questionnaire; complete participant and Course Instructor manuals; a rich set of case studies and group exercises; and a post-course evaluation.
The principal objectives of the course is to help participants to:
- – Understand and discuss how a robust understanding of industry and business risks facilitate the assessment of management;
- – Conduct with confidence and effectively coach junior staff members in performing credit interviews that facilitate efficient gathering of relevant information needed to make sound credit decisions;
- – Effectively coach junior staff members on analytical techniques used to assess a variety of credit requests including working capital and medium term loans;
- Understand and discuss how the Direct Cash Flow Statement is used in assessing a borrower’s financing needs and ability to repay debt; and
- Understand, discuss and coach junior staff member how defining problem loans effectively facilitates identification and resolution.