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CASH FLOW ANALYSIS & CREDIT RISK ASSESSMENT

by Erik de Jong

Languages: English

Price (from): €2,000 / day

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About the trainer:

Erik is a professional trainer with outstanding knowledge, expertise and teaching skills, based on many years of international experience in the financial sector. Being a financial storyteller, Erik has the ability to clarify in an easy and understandable way complex financial structures of any organization. 

He has founded Dies Novus Training, a sole proprietorship. He has worked at ING Bank for 22 years in the area of international credit risk management as full time trainer, manager and analyst. Since 2010, he has been a freelance trainer, and is an external consultant to the House of Training Luxembourg in order to train credit staff in emerging markets. His goals are stimulating participants and increasing the enthusiasm about their job, preferably by discussing interesting case material.

Erik trained credit staff in Vietnam, Mongolia, China, Kazakhstan, Germany, Poland, Italy, Spain, Malta, The Netherlands, Belgium, Brazil, Switzerland, Armenia, El Salvador, Georgia, Albania, Romania, Bosnia, Azerbaijan, Egypt, Kosovo, Rwanda, and Moldova.

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CASH FLOW ANALYSIS & CREDIT RISK ASSESSMENT by Erik de Jong

About the training

#credit risk   #cash flow analysis   #finance   #workshop

2 - 5 DAY WORKSHOP: REAL-LIFE CASES, TIPS & TOOLS, LIVELY DISCUSSIONS, VERY PRACTICAL.

 

CONTEXT & OBJECTIVES

Banks play a crucial role in allocating financial resources. Many companies in a country are dependent on the loans and credit facilities that banks provide. Meeting the demand of these companies for financial resources in a sustainable way will support social and economic developments. The workshop is intended to help staff to do their job efficiently and thoroughly. After finishing the programme, all participants should be able to:

1) Systematically determine the operating and financial strength of a specific borrowing company. Linking operational and financial issues gives a strong analysis and protection against unreliable financials and weak business plans. Finally, the participants will be able to judge the level & predictability of future cash flows and to assess a risk rating by hand 

2) Help the borrower to set reasonable goals in terms of financial condition and growth and proposing/discussing a strategy when a borrower is facing potential future financial difficulties

3) Give concise and clear conclusions and recommendations to credit committees/management

 

TARGET GROUP

The workshop is created for relationship managers & credit analysts at banks and everyone else who is interested in financial analysis and in tricks and tips to improve their efficiency. Both senior and junior staff will enjoy the real-life examples and the lively discussions. Max. 25 participants. 

 

METHODOLOGY

Using a 10-step approach (a “Toolbox”), the participants analyse real-life situations and assess strengths and weaknesses in a clear & concise way. In lively discussions, they share their expertise, experience, observations, and analyses. It is exciting and fun. On all cases and exercises, the participants will receive documented answers. 

 

KEY SUBJECTS

- Warning signals in the cash flow statement

- Measuring the debt burden

- Judging liquidity

- Making a financial projection

- Analyzing industry risks

- Assessing management quality and reliability of financial information

- The impact of  a business plan / strategy

- The impact of technological disruption

- Managing & advising your client/borrower

- Parent/subsidiary issues and structure risk

- Assessing a risk rating by hand (=not by computer)

 

THE PROGRAM CAN BE TAILORED TO YOUR WHISHES

- Pre-tests and final exams can be included

- Cases from your institution can be included

- A Credit Committee Simulation can be organized, where managers from your institution can play an active role

- The workshop can vary from 2 to 5 days. Attached, you will find an example of a 4-day program.

 

WHEN IS THE WORKSHOP NOT USEFUL?

Cases about small, medium-sized and big companies are part of the program. The lessons learned are not useful to analyse very small / micro companies, financial institutions and commodity traders. The participants list of your institution can be discussed in advance to ensure that everyone will benefit.

 

TO BE ARRANGED BY YOUR INSTITUTION

The price does not include VAT and possible other government levies in your country, nor does it include accommodation expenses. Your institution will arrange:

- Flight tickets to and from Amsterdam to your location, a hotel room full board, local transportation 

- The classroom, a laptop / PC and a beamer, flip over charts, binders, and printed course material

- A designated contact person for the trainer

 

CONDITIONS PRECEDENT

In advance, everything has to be clear and both your institution and the trainer have to be happy before a workshop can be scheduled.

Learning outcomes

CLEAR ANALYSIS

Making concise & clear analyses. Thinking in terms of future cash flows, and focussing on key issues.

EFFICIENCT

Using a 10-step approach.

KNOW YOUR CLIENT

Learn to know your borrower: the type of business, the quality of management, the reliability of financial information, and the impact of business plans.

PARTICIPANTS LIKE

The real-life cases, the classroom discussions, and the 10-step toolbox. Everything is very practical.

Program

  • ## DAY 1 ##

  • The toolbox: A practical analytical framework and a 10-step approach

  • Cash flow analysis: The importance of cash flows, calculating cash flows and identifying warning signals

  • Profitability, debt burden and liquidity: Refreshing this part of financial analysis as well

  • Industry analysis & “Product Life Cycle " and their impact on Cash Flows”: Assessing the Business Risks of a company

  • Case “A profitable retailer still going bankrupt”: What went wrong?

  • ## DAY 2 ##

  • Card-game: Testing each other’s knowledge

  • Financial projection “Back to the Future”: How to make a financial projection. We go back in time and find a solution how we could avoid the bankruptcy of the retailer

  • Bad Loans & Voluntary Debt Restructuring: The World Bank & U.N. advice

  • Case “A Wholesaler with a Need for Growth”: Will its strategy actually work?

  • When ready for expansion? Growth is not always a solution.

  • ## DAY 3 ##

  • Management’s Attitude & Reliability of financials: Learning an easy and effective tool to assess these items & warning signals

  • Case “Company Easy Bikes Ltd. is being sold”: Are the financials reliable?

  • Writing a clear & concise credit proposal: Tips & tricks

  • Feedback to colleagues: How to give feedback to maintain an efficient credit process

  • Case “Engineering & Agriculture”: Do we accept this new customer?

  • ## DAY 4 ##

  • Case “Disruption of the Energy & Transportation Industry”: New versus old technology

  • Parent/subsidiary issues and structural subordination: Theory & small exercises about analysing our priority of claim to the borrower

  • Case “Change of Ownership of a Transport Company”: Group exercise & presentations to the Credit Committee

  • Conclusions & Evaluation: Your findings

Main benefits

  • #Wide collection of the biggest experts
  • #Filters for all kinds of needs
  • #User friendly platform
  • #Fast and cheap
  • #Highest level of proficiency

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info@trainergram.hu

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