LEARNING OBJECTIVES

At the end of the training, participants should have the following skills and abilities:

  • Through the application of a structured and systematic approach of client evaluation from the corporate sector, to describe and communicate the factors that influence its creditworthiness and ability to service its debt in the future;
  • Identify internal processes, procedures, and regulatory requirements for obtaining a proper valuation of loans;
  • Make a selection of qualitative and quantitative tools and develop in-depth analysis of the financial statements of the companies in terms of evaluation of their performance;
  • To select the results of overall macro and micro analysis, other business and the competition position of the client and decide on lending based on risk assessment and the ability to pay;
  • To predict key factors that affect the ability/probability of the customer to return the loan in the future and anticipate the possibility of creation of bad investments;
  • To know the techniques of structuring the market, evaluation of investment, evaluation of project financing and to understand the need for the documentary operations of banks;
  • To understand the impact of the credit decisions of management on the quality of the banks loan portfolio, the cost of the bank through provisioning and the need to protect capital shareholders.

BRIEF DESCRIPTION OF THE PROGRAMME

The program for Certified Credit Analyst is an integrated approach of combining the theory, practical skills and international practice in order to improve the competence of the participants in the process of making credit analysis and the interpretation of results.

The main topics of the program include: the practices, procedures and techniques in banks associated with the lending process; regulations of the National Bank of Macedonia (NBRM) and international regulations; risk management and analysis environment, especially macroeconomic. The most important focus is directed towards financial analysis of companies, due to its key role in deciding on the credit and the monitoring of the client.

GENERAL INFORMATION

Duration of live classes: 8 hours

Start date: at any moment, starting November­­­­, 2017

Dynamics of live classes, one week per month (organized twice a week – 8 hours total tutorials).

EXAM SCHEDULES

Test at any moment after completion of the live classes (tutorials) in e-learning platform.

CONTENT OF THE PROGRAM

CCA1 – Certified Credit Analyst® BASIC level

Curriculum (8 hours live classes – tutorials)

  1. The Role of the credit analysis and the credit officer
  2. Characteristics of the banking sector and the credit process
  3. Credit Risk Management
  4. Regulation of Credit Risk Management
  5. Credit policy
  6. Introduction into the Analysis of financial statements
  7. Accounting procedure for recording the transactions of companies
  8. Balance Sheet
  9. Income Statement
  10. Analysis of cash flows
  11. Techniques for analyzing the financial statements
  12. Qualitative factors as part of the credit analysis
  13. Securing a secondary source of loan repayment
  14. Practice and group work
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GENERAL INFORMATION

Duration of live classes: 8 hours

Start date: at any moment, starting November­­­­, 2017

Dynamics of live classes, one week per month (organized twice a week – 8 hours total tutorials).

EXAM SCHEDULES

Test at any moment after completion of the live classes (tutorials) in e-learning platform.

CONTENT OF THE PROGRAM

CCA1 – Certified Credit Analyst® ADVANCED level

Curriculum (8 hours live classes – tutorials)

  1. Economic review
  2. Macroeconomic risks and Land Risk
  3. Analysis of the industry and the competitiveness
  4. Factor management
  5. Need for working capital and structuring credit
  6. Loans to micro and small companies
  7. Loans to medium-sized companies
  8. Loans to the manufacturing industry
  9. Loans to the agro-industry
  10. Loans to the trade industry
  11. Loans to the construction industry
  12. Loans to the service industry
  13. Monitoring of the credits and early warning indicators of the possibility of non-payment of the loan
  14. Exercises and group work
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GENERAL INFORMATION

Duration of live classes: 8 hours

Start date: at any moment, starting November­­­­, 2017

Dynamics of live classes, one week per month (organized twice a week – 8 hours total tutorials).

EXAM SCHEDULES

Test at any moment after completion of the live classes (tutorials) in e-learning platform.

CONTENT OF THE PROGRAM

CCA1 – Certified Credit Analyst® EXPERT level

Curriculum (8 hours live classes – tutorials)

  1. Complex problem of financial analysis
  2. Prospective analysis
  3. Evaluation of investment
  4. Project financing and syndicated loans
  5. Documented and currency operations – warranty and accreditation
  6. Internal rating systems as a tool for management credit risk in banks
  7. Distinguish between transactional risk and client risk (solvency)
  8. Classification of the exposures and the methods for the calculation of credit losses
  9. The financial impact of the decisions made by bank managers
  10. Problematic loans and collection of problem loans
  11. Regulatory treatment of non-performing and restructured claims
  12. Types of loan products, sales and presentation skills for introducing credit proposal to the governing bodies of the bank
  13. Exercises and group work
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