CREDIT RESEARCH, ANALYSIS & REPORT WRITING

COURSE DESCRIPTION

The program explains the concept of risks faced by industry and business, credit research methodologies, detailed risk analysis covering corporate risk, financial risk and risk from lender’s perspective with the help of case studies. Participants will learn spreadsheet modeling for credit analysis through interactive exercises. In this program, you would learn how to write research reports and proposal notes. Participants will be able to apply these concepts in credit rating, credit appraisal, banks etc.


CERTIFICATION AWARDED

On successful completion of the program, you would be awarded the foundational certification inCREDIT RESEARCH, ANALYSIS AND REPORT WRITING” by Moody’s Analytics and EduEdgePro.


COURSE COLLATERALS AND HIGHLIGHTS

  •  Detailed Credit Analysis Frameworks for corporate and financial risk and risk analysis from lenders perspective.
  •  Excel models to calculate historical financial analysis and financial projections
  •  Excel Dashboards for ratio analysis
  •  Exhaustive reading material covering detailed 3 sections outlined below
  •  Practical hands-on Credit Research & Analysis useful for careers in Credit Rating, Banking and Risk
 Fast Facts

 Certified by :
 Moody’s Analytics and EduEdgePro

 Broad Coverage:
  • Industry & Business Risk Assessment
  • Overview of Credit research
  • Structured Product & their Ratings
  • Corporate & Financial Risk Analysis
  • Risk Analysis - Lender's perspective
  • Spreadsheet Modeling
  • Credit rating-An Overview
  • Credit Ratings Sector Wise
  • Reporting Types and Techniques
  • Writing Proposal Note

Mode of Delivery

Price

Duration
Offline Training
(Classroom)

Rs. 36,000 plus
taxes

50 Hours


E-Learning


Rs. 9,000 plus
taxes

30 Hours


Customized In-house
Group Training
Contact us


Customized



COURSE OBJECTIVES

  •  Understanding Industry and Business Risk
  •  Credit Research Methodologies and ratings of structured products
  •  Understanding detailed Risk Analysis, covering Corporate Risk Analysis, Industry and Business Risk Analysis, Financial Risk Analysis and Risk Analysis from a Lender’s perspective.
  •  Implementing Spreadsheet Modeling to conduct Historical Financial Analysis, Financial Projections and Dashboards for Ratio Analysis
  •  Understanding basics of credit rating
  •  Learning how to write Credit Analysis Report and Proposal Note that are clear, concise and consistent
  •  Case Study Approach with real business situations to enhance understanding


WHO SHOULD ATTEND

This course is aimed at those who wish to explore the more advanced aspects of Credit Research to build a career in the below areas:

  •  Credit Analysis
  •  Credit Appraisals
  •  Credit Rating
  •  Research
  •  Financial Analysis
  •  Business Analysis
  •  Commercial & Retail Finance
  •  Credit Monitoring
  •  Credit Strategy
  •  Fund Management
  •  Retail and Private Banking
  •  Investment Banking

DETAILED CURRICULUM

Section 1 - Industry & Business Risk

It covers risks faced by industry and company that is important for credit analysis. Extensive use of business cases is used to elucidate the concepts of porters 5 forces, mark scott value model, business operational cycle etc. Credit research is explained in detail that covers topics like liquidity analysis, indenture analysis etc. An overview of structured products and their ratings technique is provided to help participant understand the rating of complex financial products in the market.

Industry & Business Risk


Industry Risk Assessment

  • Porter 5 Forces
  • Mark Scott’s Value Driver model
  • Case Studies in Industry Risk


Business Risk

  • Operating Cycle Analysis
  • Operating Cycle : Ratio Analysis
  • Case Studies in Business Risk

Credit Research


Overview of Credit research

  • What is credit research
  • Credit Ratios
  • Liquidity Analysis
  • Indenture Analysis
  • Debt Covenants Analysis


Structured Product & their Ratings

  • Overview of Structured products
  • Asset Backed Securities
  • Mortgage Backed Securities
  • Credit Debt Obligations
  • Credit Default Swap
  • Rating a structured product


Section 2 - Credit Analysis

This section deals with detailed corporate and financial risk analysis. It covers qualitative and quantitative aspect of risk analysis. Further introduces concept of profitability analysis, cash flow analysis, financial projections, sensitivity analysis etc. It also explains Implementing Spreadsheet Modeling to conduct Historical Financial Analysis, Financial Projections and Dashboards for Ratio Analysis. Participants will also understand nuances of credit rating, 5 c credit model and ratings of various industries like manufacturing, banking and financial services and also sovereign rating.

Credit Analysis


Corporate Risk Analysis

  • Basic Structure for Analysis
  • Qualitative & Quantitative Aspects : Equal Weightage ?
  • Introduction to Management Risk
  • Organizational Structure Risk
  • Case Studies in Corporate Risk Analysis


Financial Risk Analysis

  • Profitability Analysis
  • Debt Management Ratios
  • Optimum Capital Structure
  • Cash Flow Analysis
  • Financial Projections
  • Sensitivity Analysis
  • Case Studies & Spreadsheet Modeling


Risk Analysis – Lender’s perspective

  • Social & Environmental Risk
  • Sustainable Lending
  • Facility Structure Risk
  • Credit Enhancements
  • Early Warning Signals and Covenants
  • Risk Return Matrix
  • Case Studies


Spreadsheet Modeling

  • Historical Financial Analysis
  • Financial Projections
  • Dashboard creation for Ratio Analysis

Credit Rating-Internal & External


Credit rating-An Overview

  • Basics of Credit Rating
  • Credit Risk management
  • 5 C Credit Model


Credit Ratings Sector Wise

  • Ratings for Manufacturing Companies
  • Ratings for Financial Institutions and Banks
  • Sovereign Ratings

Section 3 - Report Writing

This specifically deals with Report writing and writing proposal notes. It covers in detail types of reports, reporting style, building report elements etc. It also explains giving analyst’s opinion as well as integrating various elements of the report that would add necessary insight to the report. The final section covers writing concise proposal note with limit assessment, transaction brief, risk analysis & their mitigants and finally recommendations. This will help analysts summarize their findings effectively and succinctly.


Reporting Types and Techniques

  • Reporting Styles
  • Types of Reports
  • Report Writing Techniques
  • Building report elements


Credit Analysis Case

  • Analyst opinion & summary
  • Integrating various report elements
  • Finalizing the report


Writing Proposal Note

  • Transaction Brief
  • Limit Assessment
  • Risk Analysis and Mitigants
  • Risk Return Matrix
  • Covenants and Risk Triggers suggested for Monitoring
  • Recommendations

DETAILED CASE STUDY AND EXCEL IMPLEMENTATION

Let us bring our classes to you! Our in-house training are ideal for groups of 10 or more people. We can provide Off-the-shelf training in the form of our classic courses, or we can provide bespoke training, tailored to your organisational goals and objectives. Please contact us for further details.

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