hours of study: primary elements of business … managers » credit analysts and underwriters »...
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eLearning Solutions
Primary Elements of Business LendingCredit risk assessment and lending decision skills for those new to credit.
HOURS OF STUDY:
8-10
TRaining & cERTiFicaTiOn
Learn more at moodysanalytics.com/elearning
target audienceThis program is recommended for institutions and individuals that engage in business lending or assess risks associated with the extension of credit. Specifically:
» Loan officers and relationship managers
» Credit analysts and underwriters » Branch managers and select
client-facing staff that market to and otherwise work with businesses
Moody’s Analytics sets the worldwide standard for financial services education. We help financial professionals advance their careers by increasing their competence, credibility and confidence. We help organizations improve staff performance and the profitability of their business.
OverviewOur Primary Elements of Business Lending eLearning course is exposes learners to the field of business lending. Upon completion of this program, learners will be able to:
» Understand business types, legal structures and the reasons why commercial enterprises borrow money
» Identify qualitative risks that arise in a borrower’s competitive marketplace » Utilize quantitative analysis techniques that are useful in assessing a firm’s financial risk » Identify key issues and risks relating to commercial properties as components of business practice » Discuss common loan types and structures
prOgram mODULeSPrimary Elements of Business Lending content is accessible over the Internet and is presented in five modules:
SUppLemenTaL feaTUreS
Our curriculum can be supplemented with additional features and functions that enhance the learning experience.
WebClass
Mentoring
prOgram COmpOnenTS
1 Interactive LessonsStudents learn essential content, understand how it should be applied, and test their knowledge.
2 AssessmentsLearners are challenged to apply their knowledge and demonstrate mastery of required skills.
3 Administrative ToolsSponsors of the learning program can monitor participation, assess performance, and access critical detail to support mentoring and additional training.
21
3
Businesses & Their Borrowing Needs
Evaluating the Company, its Management &
its Marketplace
Analyzing Tax Returns &
Financial Statements
Evaluating Owner-Occupied
Commercial Real Estate
Understanding & Communicating Credit Solutions
Primary elements of Business Lending | eLearning SolutionsCredit risk assessment and lending decision skills for those new to credit.
Copyright © 2012, moody’s analytics, Inc. all rights reserved.
ASIA (ExCludIng JApAn)[email protected]
COnTaCT US Visit us at moodysanalytics.com or contact us at a location below:
SP19921/1159/inD-112
UNdERSTANdINg BUSINESSES & ThEIR BORROWINg NEEdS Lesson 1 – Business Types addresses the basic types of business operations in which lenders extend credit to in distinct ways.
Lesson 2 – Legal Structures discusses the basic forms and legal structures of business organizations.
Lesson 3 – Why Businesses Borrow reviews the six principal borrowing causes of businesses and provides guidance in identifying true borrowing needs.
EvALUATINg ThE COMpANy, ITS MANAgEMENT, ANd ITS MARkETpLACE Lesson 4 – Business Life Cycle Stages reviews the topic ofbusiness life cycles in relation to industry cycles and the cycles of the general economy.
Lesson 5 – Management Integrity, Competence, and Scope explains why management integrity may well be the principal consideration in the entire underwriting process.
Lesson 6 – The External, Competitive Marketplace identifies common competitive forces that shape an industry and the performance of businesses within industries.
ANALyzINg TAx RETURNS ANd FINANCIAL STATEMENTS Lesson 7 – key Tax Return Types and Evaluation explains which line items on a company’s tax forms tell the most about the business’s success and cash flow.
Lesson 8 – Financial Statement Basics provides an introduction to the structure of small business financial statements, fundamental accounting principles and accounting methods.
Lesson 9 – Ratio Analysis introduces key financial ratios that are used to evaluate a borrower’s creditworthiness by providing examples as to how these ratios can be used to make initial, quick assessments of credit risk.
EvALUATINg OWNER OCCUpIEd COMMERCIAL REAL ESTATE Lesson 10 – Owner-Occupied property Types and Uses explores the various types of commercial property and compares and contrasts the owner occupied property with property held solely for investment purposes.
Lesson 11 – Cash Flow-generating Capacity helps learners examine the various revenues and expenses commonly generated by income-producing commercial properties and determine if an Learners will be able to owner occupied property would be attractive to a buyer in the event the real estate had to be liquidated to pay off a loan.
Lesson 12 – Contribution to Successful Business Operations helps learners assess both property’s value and the likelihood of a loan repayment through the use of examples.
UNdERSTANdINg ANd COMMUNICATINg CREdIT SOLUTIONS Lesson 13 – Common Loan Types addresses typical loan types and the sources and common repayment schedules for loans.
Lesson 14 – Collateral and Other Credit Enhancements explains security, guarantees, and loan covenants and their respective roles in mitigating credit risk.
Lesson 15 – putting It All Together is where the integration of borrowing need identification, credit analysis, loan structure, and risk mitigation measures is explained and explored as a cohesive means of developing successful loan solutions for both the bank and the borrower.
COnTenT DeTaIL BY mODULe