Link to Home page Future Perfect - Training and Project Management

Client Interview Skills Play Video

To participate in this course, complete our registration form by clicking here.

Financial Analysis & Credit Training (FACT)

Course Outline

If youíre entering the lending industry, or if youíve been there for a couple of years, this is the course that will equip you to speak knowledgably to your clients as well as to your peers. You will experience a detailed discussion of all the main issues in the lending industry, and emerge ready to win in this rewarding market.


The Financial Analysis & Credit Training program focuses on the following major content areas;

  • The Lending Process
  • Business Structures
  • Introduction to Financial Statements
  • The Income Statement
  • Analysis of the Balance Sheet
  • The Cash Flow Statement
  • Cash Flow Forecasts
  • Financial Ratio Analysis
  • Communication
  • Credit Assessment
  • File Notes
  • The Lending Contract
  • Security Items
  • Managing Deteriorating Credits


5 days (or custom tailored to your specific needs)

Learning Style


Learning Outcomes

  1. Describe the lending process.
  2. Explain the differences amongst different business entities.
  3. Explain the five main financial statements required by a lender.
  4. Describe the items on a clientís Income Statement that require scrutiny by a lender.
  5. Explain why profitability does not guarantee that a            business can satisfactorily service its borrowings.
  6. Explain and interpret the key items on the Balance Sheet and their effect upon the lenderís risk.
  7. Interpret and analyse a Cash Flow Statement.
  8. Describe a CFF.
  9. Explain why lenders require the provision of accurate CFFs from customers.
  10. Interpret and analyse a CFF to assess whether or not a customer has sufficient cash to meet the ongoing financial obligations of their business.
  11. Analyse a firmís financial statements using financial ratio analysis.
  12. Interpret the importance of verbal and non verbal communication in building and maintaining relationships with clients.
  13. Explain how to conduct a successful client interview.
  14. Deal with difficult customers effectively.
  15. Explain the key elements of the credit assessment process.
  16. Describe the factors which affect a file note as a professional, accurate and concise business record.
  17. Explain the purpose and scope of a lending contract.
  18. Explain how covenants and the review of customer behaviour assist in effectively monitoring the lenderís exposure to a customer lending group.
  19. Identify the common security items and the process involved in securing business lending.
  20. Outline the supporting factors for the prevention and detection phases of the credit risk assessment process.
  21. Implement the steps associated with the detection phase of a possible weakening credit.

Ľreturn to library