International Credit Training Certificate Series

Course Number: Seminar Series

Course Code: ICTC

The International Credit Training Curriculum develops core credit skills for professionals across International, Commercial, Relationship Banker, Wealth, Audit, BSA and Compliance – providing them with the skills they need to assess and manage credit risk; identify and understand critical financial information, and understand key business drivers for credit.

3 Day Certificate Series:
(includes all materials, light breakfast and lunch)

Day 1 – Introduction to Analyzing Financial Statements
Wednesday October 18, 2017 / 9 am – 4 pm
– Financial Statement Analysis Definition
– Steps in Financial Analysis
– Seven C’s of Credits
– Financial Statement Components
* Income Statement Components
* Assets Components
* Liabilities/Net Worth Components
* Trend/Comparative Analysis
* Type of Financial Statements
– Business Types
* Manufacturing
* Wholesalers
* Retail
* Service
– Business Cash Flow Cycle
* Collateral Evaluation
* Ideal Line Size
– Business Organizations
– Ratios
* Liquidity
* Financial Leverage
* Profitability
* Coverage
– Traditional Cash Flow
* EBITDA, EBITDAR, FIXED Charge

Day 2 – C&I Lending
Wednesday, November 15, 2017 / 9 am – 4 pm
– Business Organization
* Sole Pro
* Partnership
* Limited Liability Company
* S-Corp
* C-Corp
* Sociedad Anonima and Others
– Commercial Products
* Seasonal Lines of Credit
* Working Capital Facilities
* Equipment Financing
* Owner Occupied
* EXIM Bank Guarantees
* SBA Guarantees Facilities
* Letters of Credit (Commercial & Stand by)
* Guidance Facilities
* Guarantees of IADB
* Factoring
– Collateral Analysis
* Account Receivable Aging
* Inventory Breakdown
* Equipment
* Mortgages/Appropriate LTV
* Securities Portfolio
* Cash
– Case Study Application
– What Financial information is necessary to review?
– Industry Analysis
– Cash Flow Analysis
– Traditional Cash Flow
* Calculation
* Coverage
– Review Case Study & Provide Recommendations

Day 3 – International Lending & Cash Flow
Tuesday, December 5, 2017 / 9 am – 4 pm
– Country Risk Considerations & Interagency Country
– Exposure Review Committee (ICERC)
– Foreign Currency Exposure & Hedging Possibilities
– Specialized Lending
* Trade Financing Techniques
* Cash Collateral & Other Secured Lending
* Forfaiting & International Factoring
* Loans Guaranteed by Supranational Organizations
– Impact of Basel III on Bank’s Balance Sheet Considerations and Trade Finance
– BSA Considerations & Risks
– International Loan Syndications
– Foreign Account Tax Compliance Act (FATCA)
– Applied Cash Flow Analysis through Case Study
– Sources & Usage of Cash Flow
– Rules of Cash Flow
– Operational – Traditional Cash Flow
– Personal Cash Flow Analysis
– Global Cash Flow
– Case Study Application
* Vertical Integrated Importer/Exporter for
Latin America

Instructors:
Fernando Capablanca
Abel Iglesias
Roberto Pelaez

Program can be applied towards CFT’s Credit Analysis Certification.

Audience:

Prerequisites:

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Member Price: $999.00
Non-Member Price: $1,200.00
Textbook Charge: $0.00

Credits: 1

Start Date: 10/18/2017
End Date: 12/05/2017
Length: 21 hours
Start Time: 9:00am
End Time: 4:00pm
Day: Wednesday, Wednesday & Tuesday
Location/Room: Miami Dade College, Wolfson Campus, Room: TBA

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