Skip to main content

Description:

The Advanced Commercial Credit Analysis School is designed to provide a high level of skill development for rapidly and effectively evaluating the repayment ability of a commercial business. It is not about assessing the quality of collateral that supports a loan, but about understanding the borrower's ability to repay a loan.

Learning Format

Classroom-based learning featuring case studies and limited lectures; OJT

Learning Objectives

Upon completion of this course, attendees are able to:

  • Analyze and communicate the critical income statement analysis issues to include revenue growth, sustainability of EBITDA, and overall quality of earnings.
  • Evaluate the financial position of a firm to include liquidity, working capital and leverage analysis.
  • Construct both an indirect and EBITDA based cash flow statement and evaluate the results to include various cash flow coverage ratios.
  • Develop appropriate capital structures based on the forecasted cash flow and the overall debt capacity of the company.
  • Identify the key credit risks and associated mitigating factors related to an underwriting transaction.
  • Evaluate both the primary and secondary sources of repayment.
  • Structure a transaction to protect the sources of repayment, while consistent with market standards.
  • Communicate a logical underwriting rational to support a senior debt opportunity.

Time Commitment:

  • Pre-Course Requirement: approximately 8 to 12 hours
  • Resident Session: 4 days

Target Audience:

Examiners who have experience reviewing commercial loans that vary in complexity and size.

Registration:

Please view our Calendar of Events to register. 

Questions? Please contact Katie Hoyle ([email protected]). 

 

1129 20th Street, N.W., 9th Floor, Washington, DC 20036 | Tel. 202.296.2840 | Fax. 202.296.1928

exit