Internet subscriptions - Credit

Fundamentals of exchange rate and interest rate determination; economic indicators; monetary and fiscal policy.

This module includes the techniques that will improve the businesses relationships with clients through interviews, telephones and reports writing. These techniques will also help you find out more about the client you are dealing with. This also will involve sending an investigation questionnaire to the client and business visits are an ideal opportunity to get the final information needed to put into the report about the client.

This module looks at the International Convergence of Capital Measurement and Capital Standards revised edition.This includes looking at the comparison between Basel I and II. It also involves the Capital requirements, Regulatory review process and Disclosure and Market discipline.

This module involves the usage of Financial Performance Ratios and Non- Financial Analysis in the decision when lending to small businesses whether they are either starting up or expanding their business. Also, this looks at Risk Assessment being used when lending to the small business. Financial Performance Ratios will include Liquidity Ratios, Profitability Ratios and the use of Key Ratio Analysis. Non- Financial Analysis will involve SWOT Analysis being used to assess the Strengths, Weaknesses, Opportunities and Threats that the small business will encounter during the life-cycle.

This module looks at the cash flow in a business and the warning signs that appear when the cash flow starts to decline. Cash flow analysis involves different areas; Taxation, investing activities, financing and the returns on investments. The Cash flow analysis computer spreadsheet system is a good way of monitoring the cash flow of a company. Studying the early warning signs of business decline will involve looking at the cash crisis management techniques and using the elements of the MAP. The involvement of a turnaround consultant can be implemented to get the business up and running again.

This module includes the steps that are involved for lending to an agriculturally based business. It looks the process of visiting the farm and looking at the farmers balance sheet. It looks at the usage of break-even analysis and the cash flow forecasts to determine the financial position of the farmer.

This module looks at the steps that involved with lending to builders and property developers and uses credit analysis in the decision. The builders and property developers operate on a different lending cycle; they require the money, then use it to develop and then may or may not make revenue from the project. Due to these circumstances risk assessment is very important when lending to these certain companies.

This module will look at risk assessment, break- up analysis, debenture analysis, etc. This section looks at setting a formula and the monitoring it and also involves looking at the critical analysis of variations. After looking at this section you will be able to consider the various forms of security available from corporate borrowers and the valuation discounts.

This module will allow you to see early problems with business lending, then will allow you to define what actions to take, then know what action to take to minimise loss on problem advances and also to understand the role of investigating accountants.

This module uses many different techniques to analyse a large company. It looks at external analysis, uses ratios and discusses the limitations of them. It also looks at the use of Du Pont analysis and Bankruptcy analysis when looking at the large companies. This section also looks at a specimen company that helps to explain this type of analysis.

This module covers the general principles of lending, the framework of assessment and looks at the Aide- Memoire approach in the steps of lending to a consumer. This also looks at the Lending Mnemonics and looks at how to monitor and control the lending. This section also involves the case studies of consumer loans lending questions.

Break even analysis looks at the advantages, disadvantages and how to use the break even formula when analysing a business. This section also involves a scenario of how to use the break even analysis.

This module involves looking at Credit Rating; the types of credit rating and the usage of the credit ratings. This involves looking at who uses the Credit Rating system: Investors, Bank, Issuers and Regulators. A credit rating measures the profitability of default as well as the likely severity of loss if default occurs.

This module includes the Structured Finance principles: Specialised Finance and Structured Finance. The Section looks at Project Finance and Cooperative Financing which includes Marketing, Requisite and Service Cooperatives. Crop production lending also falls under this module.

This module looks at the risks involved in trade finance, the various types of bank facilities, specifically designed to assist importers and exporters and have a working knowledge of some of the unique uncertainties facing your importing and exporting customers.

This module includes Getting to know the market and the Syndicated Facility Process. It looks at the other alternatives to syndicated loans which can include Private Placement and Fixed Bond Issues. The module looks at the case study The Canadian Aluminium Company.