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

Appreciation of the correlation between the risks associated with a lending proposal

Understanding of and proficiency in use of the latest toolsand techniques available to bankers conducting analysis and due diligence

Closing the knowledge gap – management accounts and access to other financial and commercial information

Apply accounting principles to service, merchandising, or manufacturing businesses.

Analyse financial statements using ratios and managerial tools.

Prepare cash flow statements (direct and indirect methods).

Understand and prepare budgets, including a master budget.

Prepare and interpret capital budgeting techniques.

Evaluating the business plan

Utilizing lending tools and techniques

Developing a micro finance risk rating framework

Forecasting income and cashflows

Maximizing use of scarce capital resources

Strengthen understanding of corporate performance and strategy

Develop advanced cash flow analysis skills

Analyze capital investment models and payback periods

Apply risk evaluation in venture capital deals

Assess risks, payback, and cash flow in project finance

Understand syndicated loans and risk mitigation techniques

Use financial models for forecasting and sensitivity analysis

Participate in hands-on group project work

Developing an Agri risk rating checklist

Developing a fisheries risk rating checklist

Using gross margin systems for management analysis

The business plan and enterprise performance evaluation

Forecasting incomes and cash flows

Credit risk rating systems and use