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Beacon FinTrain

Provides an array of professional business and financial training services that stem from improving a corporate's treasury workflow —all the way to efficient, finance training programs.

Course Overview

This workshop delves deep into assessing creditworthiness, a critical aspect of risk management in financial decision-making. Participants will explore various dimensions of credit assessment, ranging from management and ownership to liquidity and funding structures.

Learning Outcome

Analyze the strategy of the management and ownership.

Understand the Business Profile.

Assess the company’s asset or cash conversion cycle.

Analyze the funding structure of a company centers on its funding sources and the payment obligations.

Evaluate Alternative repayment sources and methods of determining debt capacity.

Measure the company’s access to cash to meet financial obligation.

Course Outline

  • Management and Ownership
  • Business Profile
  • Financial Profile – Earnings and Cash Flows
  • Cash Flow – funds from Operations
  • Financial Profile – Working Capital and Asset Investment.

  • Financial discipline
  • Tenor matching
  • Leverage in the capital structure
  • Measures of leverage
  • Adjustments.

  • Debt servicing capability
  • Cash flow available to service debt

  • Alternative repayment sources
  • Alternative methods of determining debt capacity
  • Shortcomings of these methods.

  • Understanding Liquidity in Banking, Measuring Liquidity, Liquidity Management Strategies, Types of Liquidity

Who Should Attend

Financial Analysts= Credit Analysts= Risk Managers= Finance Managers= Bankers and Lenders= Business Owners and Entrepreneurs.