SME Risk assessment and lending decision

SME Risk assessment and lending decision

OBJECTIVE

Particpants will identify credit risk, will use analysis elements related to the financial statements, will calculate the financial burden, will express their opinion as regards the lending decision.

AUDIENCE

Credit and risk analysts, financial analysts, auditors from banks and non-banking financial institutions , analysts from leasing companies, financial managers, SME relationship managers, personnel working in the Treasury Department, as well as any other interested parties.

Access criteria: basic knowledge of accounting.

CONTENTS

1. Defining credit risk. Key elements in lending

2. General concepts of accounting and accounts

3.  Analysis of the profit and loss account

4.  Analysis of Assets and Liabilities

– Assets/Long-term assets, Receivables, Short-term assets

– Liabilities/ Suppliers, Other short-term debt, Equity

5. Ratio analysis – Efficiency Ratios/ Liquidity ratios & Working capital

6. Cash Flow Analysis – Operations/Investments

7. Calculating financial burden

8. Investment analysis

9. Fraud or error

Case studies:

Based on the financial data available, participants will identify the economic branch of the company, they will analyze the evolution of financial ratios and they will recommend the type of lending.

LECTURER

Florenţiu Petra, Senior Director SME Credit Risk, Raiffeisen Bank Romania

Graduate from the Academy of Economic Studies Bucharest – Majored in Finance-Banks-Accounting.

ACCA affiliate

Experience in lending since 1993

Responsibilities:

Running and coordinating the risk analysis and administration activity, and the process of loan approval for SME clients;

Ensuring professional support in the lending activity for the bank’s local units;

Trainer for the bank staff involved in SME lending.

COURSE DURATION

The course lasts for two days, a total of 14 net hours.

PERIOD 

March 14-15, 2019 (between 9:00 – 17:00)

In order to be registered for the course, participants must fill in an application form.

RBI will hold the course on its premises, providing specialised lecturers, course materials and catering services during the training day.

At the end of the course, participants will be given a certificate, issued by RBI (under the aegis of the founding members: NBR and RBA), with 14 CPD credits.

LANGUAGE: Romanian

CONTACT:

Gabriela Dumitrache
Training Specialist
Tel: 0748.886.822
e-mail: gabriela.dumitrache@ibr-rbi.ro

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