The Lending Decision Process Series (RMA)

Course Number: ABA

Course Code: ABA

This six-part series will give a foundation in the following areas of study: business and industry risk analysis, management assessment, financial accounting, balance sheet and income statement analyses, ratio trend analysis, cash cycle seasonality analysis, borrowing causes and repayment source assessment, cash flow analysis and using financial projections.

Produced by the Risk Management Association

Courses
-Series 1: Industry, Management, and
Economic Influences
-Series 2: Interpreting Quality of
Financial Reports and Accounts
-Series 3: Analyzing the Company’s
Financial Performance and Condition
-Series 4: The Cash Cycle, Seasonality
and Discovering Borrowing Causes and
Repayment Sources
-Series 5: Analyzing Cash Flow
Statements to Measure Long-Term
Repayment Ability
-Series 6: Using Financial Projections
to Fine Tune the Credit Analysis

There are 17 courses included in the complete Lending Decision Process series. Approximate time to complete all courses and modules in the curriculum is between 35 to 50 hours.

After completing this course, students will be able to:

-Interpret repayment risks related to
industry, economic, market and
management factors
-Interpret risks stemming from the
quality of financial reports and
underlying financial accounts.
-Interpret repayment risks suggested by
the company’s historical financial
performance and financial condition,
applying balance sheet and income
statement measures to analyze
liquidity, leverage, profitability,
financial productivity, and
efficiency.
-Interpret repayment risks related to a
company’s cash cycle and seasonal
characteristics, interpreting both
long- and short-term borrowing causes
and related repayment sources.
-Analyze cash flow statements and
traditional debt service coverage
measures to interpret cash flow
repayment risks.
-Interpret future ability to repay debt
by constructing and analyzing
financial projections, evaluating
margins of protection in business,
industry or management risks

Audience: Loan trainees, credit analysts, and anyone with commercial lending authority.

Prerequisites: None

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Member Price: $720.00
Non-Member Price: $1440.00
Textbook Charge: $0.00

Credits: 49.75 CLBB

Length: 35-50 hours

ABA Training