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Our courses are intended for a global audience, with each one being completely customisable to suit the needs of the individuals it is being delivered to.

They can be delivered in London or in your home town. You decide.

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Credit Appraisal

  • Banking and Financial Markets, Corporate Finance, Corporate Treasury, Documentation, Retail Banking, Risk and Credit
  • Information

    This One-Day course is aimed at clients requiring an understanding of financial statements including an awareness of the information contained within financial statements; how that information is presented; and how that information is interpreted. It is also aimed at staff that analyse financial information provided to them and arrive at reasoned decisions, Support staff responsible for gathering and interpreting information for lending managers and Staff responsible for the management of bad and doubtful debts who need a working knowledge of the decision-making process which led to the lending being made. This course consists of a combination of facilitated discussions, slide presentations, case-studies and examples


    By the end of the course, delegates will be able to:

    • Interpret financial information presented by clients

    • Arrive at a reasoned decision for granting (or refusing) a client’s lending proposal

    • For Corporate Clients and Small Business Clients

    • Define an acceptable monitoring and control process for client activity once the lending has been granted

    • Understand how to structure a lending to give maximum available protection to the bank

    • Explain how to spot adverse client activity – deliberate or unforeseen – which may indicate problems in repaying the lending

    • Undertake the proper course to ensure that, a far as is possible, the bank’s asset – its lending – is repaid in full


    Session 1:

    Understanding Financial Statements

    • Balance Sheets;

    • How are they created?

    • What do the respective sections mean?

    • Where does the information come from?

    • Profit and Loss Accounts;

    • How do they differ from Balance Sheets?

    • What information is included?

    • Where does that information come from?

    • Budgets and Cash-Flow Forecasts;

    • Why are these so key in Lending Appraisal?

    • What do they tell a lending banker?

    • More-importantly what do they not tell a lending banker?

    Session 2:

    Analysing Financial Statements

    • Analysis of the trends and ratios in the financial statements covering;

    • Liquidity

    • Security

    • Profitability

    • Financial Management and Efficiency

    • What do these trends tell a lending banker and what do they not tell a lending banker?

    Session 3:

    Corporate and Small Business Clients

    • Analysis of Corporate and Small Business Client lending propositions

    • Understanding that different types of company need different ways of evaluating lending

    • Managing and monitoring the lending

    • Security;

    • Is it necessary?

    • What company security can we take and how do we take and perfect our security?

    Course Close

    Register interest

    As every course we run is tailored to meet the specific needs of each client, we can only provide an estimate after fully understanding your specific requirements. Please complete the form below of call +44 (0) 208 894 4977 to discuss how Taylor Associates can help you.

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