OBJECTIVE

This intensive course will provide the delegate with a comprehensive overview of the issues and challenges that face banks, when they engage with the economically and socially important industry sectors made up of personal lending and the financing of small and medium sized enterprises (SMEs) to provide start-up and development finance. From the economic, political and social setting of SME's, through their financing needs and how they arise to how banks structure and price deals.

APPROACH

At the end of the course delegates will have availed themselves of opportunity to gain understanding and to practise skills associated with;

• Tools and techniques for the analysis/monitoring and control of Personal lending
• The economic setting and importance of the SME sector
• Forming a holistic view of a business, its setting, its prospects, its strengths and weaknesses and the opportunities available to a financier to assist in a mutually beneficial and profitable manner
• Appreciation of the correlation between the risks associated with a lending proposal and a fair level of compensation by way of margin and fees
• Understanding of and proficiency in use of the latest tools and techniques available to bankers conducting analysis and due diligence
• Awareness and understanding of instruments and products available to both lenders and borrowers to reduce or relocate credit risk
• Creative accounting - what's legal and permitted from what's morally right and what's criminally wrong
• Closing the knowledge gap - management accounts and access to other financial and commercial information
• Management by exception techniques - maximising loan value by effective monitoring
• Overtrading - the biggest single cause of business failure
• Identifying and managing bad and doubtful debts (NPLs)
• Practical exercises based on a case study approach where deliverables include a soundly structured, properly priced and supported proposal
• Presentation of delegate proposals
• Learning review and commitment to maintain knowledge
• Closing remark