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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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Lending Applications

  • Banking and Financial Markets, Corporate Finance, Retail Banking, Risk and Credit
  • Duration: Three days
  • Information

    This is a Three-Day Course

    Clients who would benefit from attending this course would be corporate lending staff requiring an understanding of financial statements, all managers requiring an awareness of the information contained within financial statements; how that information is presented and how that information is interpreted.

    Other clients would include corporate and personal lending staff needing to analyse financial information provided to them, Support staff responsible for gathering and interpreting information for the lending managers and also 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 is presented using 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

    • For Small Business Clients

    • For Personal 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


    Day 1 - Understanding Financial Statements

    Session 1:

    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?

    • As before, what do these trends not tell a lending banker?

    Day 2 - Corporate Clients

    Session 1:

    Analysis of Corporate Client lending propositions

    • Building expertise using a detailed Corporate Lending case study

    • Understanding that different types of company require subtly different shades of lending evaluation

    • Managing and monitoring the lending

    • Security:

    • Is it necessary?

    • What company security can we take?

    • How do we take and perfect our security?

    Session 2:

    Small Business Clients

    • As for Corporate Clients (see above)

    Day 3 - Personal Clients

    Session 1:

    Analysis of Personal Lending propositions – understanding the criteria against which lending decisions are made (and which will differ between clients)

    • Building expertise through a series of detailed Case Studies on Personal Lending propositions

    • CAMPARI as a mnemonic to ensure that all aspects of the lending decision are fully considered

    • Analysing personal information (in the absence of Balance Sheets, P&L accounts etc.)

    • Making the decision; structuring the lending; and getting repaid

    • Monitoring the lending portfolio – looking for early-warning signs

    • Security:

    • Is it necessary?

    • What personal security can we take?

    • How do we take and perfect the 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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